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Russian authorities closed Allofmp3.com

Without high-profile ads and announcements yesterday was closed known site allofmp3.com, featuring digital downloads to users of Russian and foreign performers. Remember that the draft since 2000, worked through loopholes in Russian law, which allows charges to pay Russian performers through Russian organizations and not to pay their overseas. Allofmp3.com in its history, has collected a bouquet claims Western record companies, but he worked in Russia, but because the owners have not been brought to justice. Among Western record companies and authorities, lobbiruemyh them discontent peaked. Oil analysts have thrown in the fire, soobschavshie, so that the share of Russian site had an estimated 10 to 20% of the total download music files in the world. In the past few years, there came that the West has raised rib-either Russia enters the WTO (World Trade Organisation), closing with allofmp3, or they are left as is, but with the WTO to end. Yesterday, after another round of criticism of the failure of Russian authorities to fight piracy, the Russian authorities announced the closure of the project allofmp3.com recorded on the SIA "Mediaservisez." But the joy of the West was very short, just a few hours after the closing of a network mp3sparcks.com project, in its design is quite reminiscent closed allofmp3.com also newly site, as well as allofmp3.com, argued that the works in Russia and in full accordance with Russian laws. According to sources close to OOO Mediaservisez "new draft" very close to known allofmp3.com. " Despite the "proximity dating", a new website, the available information on it, registered at Ltd. "Regiontorg." According to users allofmp3.com, even with last week to gain access to foreign Gate site could not be obtained because the web is simply not responsible and domain in the zone. Ru reported that the server stopped service. " It will be recalled that during last year's negotiations on the Russian entry into the WTO Russia, the United States Trade Representative Susan Schwab said that "the closure allofmp3.com is a condition of entry neobsuzhdaemym Russia in the WTO". In fact, she and German Gref signed an agreement to close the site in October last year. According to the lawyers, the signing of the document at the time meant that the Russian authorities to recognize pirated foundation allofmp3.com. Also in October Russia promised to fight piracy more actively in other fields and areas. However, the ambiguity of the situation with allofmp3.com is that it did not violate Russian laws, and since October last year, the portion of the law that relates to the system of copyright in the digital downloads have not changed, a formal attribute site work outside the law to date has been quite difficult. However, the Russian justice, in many cases, receive an order of any action "on top", quite blatantly and toporno, guided by the principle of "people would rather article there." Recall that for almost two years, the Ministry of Internal Affairs of the Russian Federation has its investigation of the project, which had affected his work, also about six months ago the payment system Visa and Mastercard Ltd. said "Mediaservisez", which will no longer process payments to allofmp3.com. According to its own statistics allofmp3.com, on the site known to some 5.5 million registered users to purchase files at a price of 10 to 20 cents (in the Apple iTunes cost of a file is 99 cents). The Mediaservisez again, the majority of music buyers were in Russia, but Western analysts these allegations do not agree, arguing that the draft was just focused on the West. Unconfirmed reports, allofmp3.com turnover reached 30 million dollars a year. Today Russia has been negotiating to join the WTO for nearly 13 years, and today Russia is the only world power outside the WTO. Meanwhile, the WTO has 149 countries, but in order to join the organization, Russia needs the support of all WTO members. Source : www.cybersecurity.ru

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MasterCard : Visa illegally charged fees to banks

The company won the MasterCard lawsuit in the United States against its competitor of Visa International. MasterCard sued, accusing Visa in illegal money charges from customers who want to migrate from Visa cards to MasterCard debit cards. The agency Bloomberg, the New York State District Judge Barbara Jones ordered the company to rescind Visa fee, and provide services of the network of free competition. Moreover, now have more than 100 invalid contracts with major banks, working with Visa cards. According to the Court, the company charged Visa payments for the transfer of clients to other network banks, and those in turn to customers. According to Mastercard, Visa thus earned about 2 billion dollars, in addition, MasterCard loss of customers, as well as banks did not want to pay the company, did everything to retain customers with Visa cards. Source : SayberCekyuriti.Ru

Tools working capital, and why did they need?

Often hear from clients that factoring is a very expensive product. The first question : "How much does it cost?" And knowing the structure of the factoring commissions and rates, customers immediately translate into an annual interest rate and compared with the interest rate on the loan. The result is that he is not in favor of factoring. To compare factoring and credit is very difficult, because these services are designed to meet the different needs of customers. The first step is to find out what customers really want. Many turn to the bank for factoring, not knowing anything about it, but not even aware of until the end, that they want in the end. If you will be able to understand the customer's needs, we can offer the product or set of products, best, best quality and price meet its needs. One of the first customer-financing working capital. There are several ways to achieve this objective. Let's look at them and compare. Sales on credit (you-provider) you can trade in advance, without providing its customers deferred payment : at first glance, the easiest and cheapest way. This can to some extent overcome the shortage of working capital. But the benefits of these solutions are clear. Competition in the commodity markets and the markets for services is growing with astounding speed and is really tough. Lower prices, better quality goods and services, expanded product range, the free delivery, bonuses, etc., are some of the activities, which forced the supplier today, in an effort to find and retain customers. The listed above should also include the provision of provider delay payment for the goods sold and services rendered. Perhaps it is one of the important tools in the fight for klienta.Tovarny credit benefit all market participants : and the manufacturer and distributor and the retailer. Invest the money in building sales channels, most traders today could increase by claiming sales of the product filling. Commodity Credit now becomes the main instrument of development companies. Therefore, allowing customers to buy goods on credit, you limit your company in sales growth, and hence earnings growth. Commercial loans : ask and ask (you, the buyer), working with suppliers and urge them to apply for commercial credit. The forms of commercial (business) loan vary. He can be predpriyatiyami-kreditorami in cash and cash based on sales contracts, loan agreements, business and financial bills. The advantages of this option are that this type of loan is collateral, and sometimes even free of charge, to the disadvantage is that not all suppliers are ready to stay, and the matters it is only at first glance. According to the law (Article 5. 488 of the Civil Code), unless otherwise stipulated in the contract of sale of goods sold on credit, is a pledge from the supplier until the buyer does not pay. In the case where the buyer is unable, for any reason (including cash because of a gap caused by poor payment discipline accounts) to pay, the seller may demand the return of unpaid goods and the payment of interest. So, you can safely dispose of the goods until payment : it is likely that the supplier will require the return of the goods. This dispute is a free loan. Many suppliers for the opportunity to "pay immediately" increase the price of 1-3%. Overdraft : running short distances third tool is the overdraft. Pledged support for the overdraft facility is not required. You only need to maintain traffic on the current account in the bank, with a much more than the amount that you get in this type of financing. The price is comparable to a short-term overdraft loan, but the size and duration of funding is not tied to your trading. Maximum thirty days you have to return the money. There may be a problem with the temporary unavailability of funds, as well as all receipts from customers go to repay financing. Thus, the task-funded trade (supply) chain running again. Note that for the closure of small volumes of cash and time gaps overdraft, of course, can be used. The harsh arithmetic Credit Credit? Yes, the same, that all potential customers compare factoring. First question : whether the loan to meet your needs? And second : for how long and how much you want to draw resources? Let me remind you that we are considering to finance working capital. So, the size and term of the loan should be comparable to the missing working capital to finance sales cycle : ie, the funds will be required only until such time as money from customers. Let us take the example of a company of a "H". Assume that the company "X" is even shipping at intervals of 10 days. The supply is 100 units. , The deferral period is 30 days, the value of the resources-15%, and time spent on the procurement and delivery of the product is 10 days. Total : at the end of the month, the receivables will be 300 units. Assume that the company "X", involving shipping on January 1, decides to take a credit of 300 units. for the purchase of three shipments to be shipped, respectively, 10, 20 and 30 January. Remove separate tranches of the loan by purchasing each shipment is problematic. This would entail additional costs and inconvenience : it is difficult to accurately predict when it will be shipped and required the purchase of new goods. Hold large stocks of finished goods is to withdraw from circulation resources, which should be profitable. So on Jan. 1 you get a credit of 300 units. For purchases of goods to be shipped on January 10, you will need a total of 100 units. It turns out that the interest on "the remaining 200 units. Credit paid you wasted. That portion of credit you do not use or used for other purposes, and thus ineffective. You overpay! The situation repeated after 10 January, but you will not overpay for 200 units. , And "only" 100. For the calculation of your costs : 100ed. 15% / 365. 10dn. 3 = 1.23 units. is that you should have to pay to meet your real potrebnostey.200ed. 15% / 365. 10dn + 100ed. . 15% / 365. 10dn = 1.23 units. - which is what you have overpaid because of suboptimal choices tool, and an inefficient use of resources. The cost of credit instead of the expected 15% annual rate of 30% per annum. "Biznes-ideya" factoring in factoring services "pitfalls" for other forms of financing can be overcome. You traded with a grace period and not have working capital deficit. Moreover, you pay only for the period during which actually using borrowed money. Constituent factoring fee for the use of money does not exceed that of conventional short-term loan. In addition to not charge you any additional commissions for opening and maintaining accounts for the maintenance and support of the transaction fee (booking) money. You get financing once shipped goods to a buyer, and using them to pay for the actual buyer of a financed. If the buyer decides ahead of time (to maturity of the contract) to pay for the goods, since you will not be charged an additional fee for early repayment of the financing. Let us not forget that serves short-term financing and working capital movement demand is a function of the demand for goods and services and, therefore, varies depending on market conditions or season. If at this moment you do not need to bring additional resources, you can temporarily abandon the fund and not pay a commission. In doing so, you have the opportunity to restore whenever such need. Let's try to confirm this by example. Consider the cost-effectiveness of factoring in the case of the same company a "H" with a monthly sales of 400 units. and a grace period of one month. Assume that the company "X" does not apply factoring. Hidden costs (profits) in providing commercial credit its customers could reach 15%. Assume that the official inflation rate for the year of 12% and will be evenly over the year (the actual inflation with hidden inflation, we can only guess). Consequently, the company "X" pending payment of its accounts receivable for the month lost 1% of turnover. This provided the debtors to pay in 30 days, and payment discipline of our counterparts, usually leaves much to be desired. From 1 to 3% (and in some cases up to 5%), the company overpaid for raw materials. First, the absence of free money "H" could not buy raw materials in advance or on the fact that most often cheaper. So, the company is forced to resort to commercial credit from its suppliers. The difference in price in advance and deferred payment, typically in the range 1-3%. Secondly, the "H" could not take advantage of discounts for the purchase of more goods. That is 1-2% of the cost of raw materials. Assuming that the share of raw materials in cost of production is at least 50-60%, a loss of the company "H" We may add another 2-3% of the monthly turnover. And finally, the third, and perhaps most important component of loss : shifting money out of circulation for a whole month, the company "X" could not invest in their production (purchase) a new shipment, ie missed at least one production or trade cycle. The profitability of 15% of the lost revenue net of income tax is 11.4%. Factoring Factor : The above findings economic attractiveness factoring model is specific (but very common) circumstances. The factoring in the same or similar situation to increase the "financial leverage" and find the best ratio of "financial" and "operating" means. The factoring financing offers additional opportunities for business development through optimization of relations with suppliers and dealers. The choice is. Choose wisely (instead afterword) Other financing might have less effective if properly applied in accordance with your needs. You have to choose a tool or a set of tools working capital. In many ways, this choice will depend on your organization's financial policy, which in turn is determined by credit-ie together to attract funding for ongoing activities and the deployment of surplus funds. Correct credit policy accomplishes several goals. First, it is increasing the profitability of equity capital through borrowing and deployment own the funds. "Companion" challenges the effectiveness of monetary policy, are to minimize the cost of borrowings and lower credit risk (the risk of the borrower and the lender's risk). Attracting credit, temporarily replacing abstract own working capital and increases the mass of working capital, increases the "financial leverage and increase return on equity. Note that the effect of "leverage" has always reflected the acquisition of borrowing for any form, and "operational arm" will be sent only when the interest on the borrowed funds is significant. As one of the aphorisms : "All the advantages of having money is that they enjoy." Factoring is a financial instrument that allows you to use the money now, investing in the further development of your business

Credit history

Each bank has its own priorities

The booming consumer lending led to a massive growth nevozvratov credit. It is due to return to date, 30 billion rubles banks can not. In particularly difficult cases, they come to the aid of the so-called collecting agency. The work collectors borrowers resign legends - they brought it to collectors of robbers with baseball bats, it is absolutely incapable beggar in the telephone receiver. As they are, in fact, collects debts, mapped correspondents "-Banka" SVETLANA DEMENTEVA and Julia CHAYKINA Kollektorsky business in a modern Russia, together with the restructuring. The emerging markets are often not imply payments on time, and businessmen do not always have the time and opportunity to carry out the debt reimbursement. However, the companies that provide such services, initially did not allow them from the legal level. The concept of CPS included in the business lexicon relatively recently, in 2003-2004. The CPS aware of the massive collection of mostly undisputed similar debt. Undeniable debt, in this case means that the contract under which the creditor is entitled to claim debt, almost necessarily be recognized as valid in court. The level of such instruments are essentially contracts loan (as they relate to money), while the acceptance of delivery of services, commercial credit is more problematic. Players, pozitsioniruyuschih itself in the market as a specialized collector Agency (EA) is not great. The most famous of Sequoia Credit Konsolideyshn "FASP," Pristav, Tsentr-YuSB, Rusbiznesaktiv ", the Agency for refund loan debts. Heoninneung are law firms, among others, have collector and antikollektorskie (for the care of the claims collectors) services. Large banks that are active in the market for most venture providing credit ( "Russian Standard", Rosbank, etc.) as a "pocket" structures for the collection of debts. Now in the midst of a boom in consumer credit is credit organizations are the main consumers of professional collectors and target - individuals who owed banks. Market participants were hesitant to identify, indicating only that collectors go about 10-15% of the bad debts of banks, which, according to the rating agency Rusreyting, now at about 30 billion rubles. According to market participants, in his study "Rusreyting" forward-official statements, in reality amount nevozvratov more. And given that consumer credit market on the rise, the work of professional collectors constantly added. At the expense of the clients of the bank-insurance area, telecommunications, leasing companies. For comparison : in the United States the total outstanding debt of Americans at the end of 2005 was about $ 150 billion Are you concerned about the collection is worth noting that not every violation of an agreement with the bank borrower to a customer panel. In short debts banks prefer to work independently, through its own security. Much of the usually short delay due to forgetfulness or short-term employment debtors or financial difficulties in the first reminder returned to the bank. The collectors seek help in the recovery of complex debt outstanding for a longer period (from 60-90 days), where the bank has already exhausted its exposure mechanisms. According to Deputy CEO of the "Rusbiznesaktiv" Andrei Sorokin, of the debt, which has worked bankers, not recover in the pre-trial order not more than 25-30%, while the performance of "fresh" portfolios of debt is much higher : the problem, not before court, not more than 60% of cases. The first aid professionals required to repay bezzalogovyh credit (or cash to buy retail network). With mortgage or avtokreditami banks prefer to deal alone because in most cases it is possible to realize a hallway on the loan assets. Most reservoir agencies in the collection of debts is the same cycle. The first phase, the so-called soft-kollekting or phone debtors. The market, at this stage, returning to 30% of arrears. Second-hard-kollekting - implies personal visit to the debtor. Debts for the first two methods have failed, passed in ligal-kollekting, that is before the court. "We communicate with the debtor by telephone, face-to-face questioning why education delay," said General Manager Fector agencies' Sequoyah Credit Konsolideyshn 'Yelena Dokuchayeva .- If the debtor does not shy away from debt, we have to negotiate and agree on the debt. If the reasons are not being fair, it is only a preliminary agreement with the bank to discount or restructure debt-to extend payment discount penalties or interest, etc. If agree with the debtor fails, we add the case to court, have escorts trial, initiating and overseeing its execution. " The average duration of the debtor in the pre-trial phase of about six months. However, many collectors prefer a simplified form of a trial, with the magistrate. On the one hand, it speeds up the process, making it less costly, on the other hand, the debtor may not agree with the judge, while his order was overturned and the case brought before a regular court. The usual statistics, in Moscow, thousands of only two cases out of court orders magistrate. But this is more evidence of small debtors ignorance of their rights. Thus, in Perm, where the educational campaign in the media, challenged about half orders of magistrates. His clients collectors divided into several categories. The first group, they are those who pay the loan prevented dramatically changed life circumstances (dismissed from their jobs, bankrupted companies, etc.). "The borrowers most contact with us and not going to cooperate," said board member credit bureaus security 'Ruskollektor' .- most frequently enough on the phone together a new schedule of payments on the loan. " The second group payers collectors identify so-called romantic debtors. They live on a false charge, and gave its "no hurry and absorbing money for the acquisition of goods. The fascination of such borrowers disappears when the collector read out excerpts from articles of the Criminal Code. There is a simple Right - those who change their place of residence, taking loans on forged passports and even lose or recovering beyond recognition, that person had nothing to do with the picture on this passport. Interestingly, the steps soft-, hard- and ligal-kollektinga necessarily follow one after the other. Some agencies to speed up the process used in parallel for different procedures (such as phone and request the magistrate). "The technology is still in its recovery boiler, so timing of the debt on the full life cycle, from telephone calls to visit with the bailiffs-ranging from four months to a year," says Director of Development KA 'Tsentr-YuSB' Dmitry Zhdanuhin .- Banks also believe their money. Under each extra duty limit at the bank balance, you need to reserve funds, and sometimes easier to write off debts. " There are two equally popular schemes work with problem debts. In one case, the reservoir serves as a matchmaker. Lest it be referred for services, but still recorded on the balance sheet of the bank. It returned for debt collector receives a commission; Debts that could not be returned, after some time, simply cancelled the bank. The second option-buyout debt collectors, and thus the transfer of the balance of the agency. The way in Russia unpopular. Collectors say that they buy their problem debts at banks have to. "We do not buy the debts, and their money on behalf of the bank. We have to keep the so-called hovering debts, even if the bank offers to buy a portfolio of problem debt for 50% of its face value, "shared Andrei Sorokin. However, a credit organization, which helps agencies develop consumer finance market by European standards, collectors refused, citing a confidentiality agreement. The clearest evidence of such cooperation is an open tender for redemption of debt, announced in August Home Credit and Finance Bank ". Hitting will? Market participants say, created in 2003 Rustam Tariko Agency to collect debts consisted of a strong-looking men, former employees of the Federal Security Service and Interior Ministry. People built sports visited the homes of the borrower and hinted at the need to repay the loan. Sometimes taking a precinct officer or put in the stairwell ad focussing on the misconduct neighbours. But more often than not enough simply call. However, what the words on the phone former FSB persuade debtors to return the money, so none of the borrowers and not admitted. Today collectors abandon the image of people with iron behind. "A good specialist CPS organization today is a lawyer and financier, and the psychologist, says the president of the Association for Fector business Sergei Rahmanin, and the primary method of work is the belief." "Our work is informed by the Civil Code, Civil Procedure and Arbitration Procedure Code, the federal law on executive proceedings, the federal law on mortgage and other regulations governing the process of recovery," said Yelena Dokuchayeva .- In addition, we have developed their own code, which defines the principles of our workforce, in the recovery. In the code were relevant documents governing collectors in the United States and Western Europe. " By the way, in America, for example, professional debt collectors not disturb untrustworthy borrower to eight o'clock and nine o'clock in the evening. Likewise, roughly speaking, borrowers insult or threaten to send the letter, which resembles the form of government dollars. Nevertheless, the Russian market is still in its infancy, the participants are divided into "white", "grey" and "black". The latter are criminal organizations that are "bought" overdue debts. According to the collector, the organization is now going to Fector market in sectors where business is more attractive yields. "Grey" are officially registered organizations based on the work arrangements of illegal pressure. "White" agency not only officially registered, but working exclusively within the law. Under pressure from illegal means or the threat of physical abuse. "Generally, the distinction between 'white' and 'grey' collectors in the minds of people is very thin says Dmitry Zhdanuhin .- In principle, any collector is dealing with the threat. Indeed, the very transfer of bank debt collector can already be interpreted as a threat. The whole question of the legality or illegality ". For example, threats of harm to property, health, life comes under Article 330 ( "arbitrary") of the Penal Code. The threat to apply to the police or to recommend the bank to do so, in fact, the threat of information or blackmail. Nevertheless, an offence that is not a threat because it is the transfer of evidence and the absence of harm to the legitimate interests of individuals. A major difference between the "grey" and "black" collectors market participants indicated that the grey only threatened, and "black" carry out their threat. On the recent meeting in the absence of licensing CPS and specialized law no immunity, but can recognize fraud. Professional collectors say that their staff must have a power of attorney on the case of Fector Agency and passport, proof of identity. But the main feature, which can be distinguished from a professional fraudster to recover the debt, demand repayment through cash bank. The collector not only of the borrower to repay the debt schedule, but will list the nearest bank branch. "If a specialist agency refuses to give you your own passport, not discuss them with their financial affairs," warned Andrei Sorokin, and not pay any cash. " However, the division of reservoirs color does not always reflect the essence of their work. Professionals prefer that division. First, the professional organization of the reservoir, those who position and acts in that capacity. Secondly, law firms, which create the reservoir office. Sometimes these offices are separated, and finally converted to separate reservoir agencies (for example, created "Tsentr-YuSB, Intellekt-S" in St. Petersburg). The third group are private security companies in the regions (ChOPy), which also provide services to the reservoir. Similar efforts are collecting agencies on the basis of security. However, ChOPy and KA-based security services by market participants consider to collectors with a large natyazhkoy.Kommersant

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INTELLECTUAL SOBSTVENNOSTPonyatie Intellectual Property Intellectual obstvennostyu recognizes the exclusive right person or entity for the results of intellectual activity and related identifiers entity, products, jobs or services (trade name, trademark, service mark, etc.). (Civil Code, Criminal st.138) Generally speaking, there are three types of property : a common feature of the property of all, is that the owner or operator may use the property as it wishes, and nobody else can legally use their property without permission. Of course, there are generally limits of the law. one type of property-movable property (refrigerator, car clocks, etc.) 2 form of property-real property (buildings, land, etc.) 3 of intellectual property-sobstvennost.Ee are creations of the human mind. Put it in the simplest way, intellectual property, information that may be provided on a tangible medium and distributed to an unlimited number of copies around the world. Ownership is not the copies, and reflected in the accounts. Intellectual property is usually divided into industrial property and works protected by copyright. Convention establishing the World Intellectual Property Organization (WIPO) adopted in Stockholm on July 14, 1967, and was a member of Russia as the successor to the Soviet Union, that of intellectual property rights are : 1 literary, artistic and scientific works of literature; 2 performances of the artists, and radio broadcasts; 3 inventions in all fields of human endeavour; 4 scientific discoveries; 5 industrial designs; 6 trademarks, service marks, commercial names and designations; 7 elimination of unfair competition. The objects of intellectual property are also programs for computers and databases, as well as IMS topology. Paris Convention, of which Russia is also a successor to the USSR, that the object of industrial property protection are : the invention; Utility models; Industrial designs; Trademarks; Service marks; Brands; Indication of the source; Name the location : elimination of unfair competition. Different countries have different interpretations of the concepts of intellectual property and industrial property, and not necessarily all of the above are included in these terms. http://www.dist-cons.ru/modules/zis/tm1/main1.html

The most expensive Internet sites :

Names of the websites (domains), such as intellectual property, as the name brands, so they sell and buy for real money. One of the biggest "baraholok" domain name is registered domains Center (www.nic). Here it is possible to buy the names, which anyone registered to you, but I am ready to give them for a price, which varies according to their "raskruchennosti" search engine ", a simple set of keys and the overall market fees. For example, the cheapest of today are the names and korpunkt.ru goodlifeeurope.ru ($ 30), slightly more expensive-kykla.ru ($ 70). In the category of "from $ 200 to $ 300 and have names lagerfeld.ru swarovsky.ru. There is a real "gold" domains, which cost thousands or even millions of dollars. For example, the name new-year.ru worth $ 2263, $ visa.su - 2328957. The most expensive so far as domain names 3akon.ru (first character, a figure 3) and 3ep0.ru (first character, a figure 3, the last-digit 0) : two for $ 6790180. Note that the transaction is worth millions of dollars can occur in Yekaterinburg : Internet-analitikov estimated value domains www.aviaprad.ru and www.aviaprad.com acquired late last year by Ural Airlines, the sale could be between four thousand to 20 million dollars.

As launder "dirty" money professionals Tips

As launder "dirty" money Tips professionals International Anti-Money Laundering (FATF) has not yet ruled Russia from the "blacklist". Despite the fact that the law on counteracting the legalization (laundering) of proceeds of crime "is already halfway money in Russia remains" erased ". The fact is that in the law, there are many loopholes. The easiest and safest way of money-laundering, a series of transactions of less than 600,000 rubles. The law will be recalled that in February this year in the financial and banking regulations to control the operations of more than 600,000 rubles. The law on counteracting the legalization (laundering) of proceeds of crime "requires all financial organizations dealing with cash, report to the competent body, the Committee for Financial Monitoring (KFM) all questionable transactions. CFM, in turn, should take a suspicious customer to a pencil and report on violators in UBEP. Banks are really the letter of the law and inform KFM on suspicious transactions in excess of the limit. To do otherwise, they may not : nedonositelstvo could be licensed. However, if before the law client banks were in a panic, they are now quite calm. Recipes legitimate money laundering easy. "Experience shows that the most common way of circumventing the law is a crushing operations in the amount of less than 600,000 rubles, which banks can not communicate with CFM-described" NEWSPAPER "company lawyer Tax Consulting U. K. Andrei Tereshchenko. There is another way : "dirty" money available in small numbers in different banks, including overseas. In order to legalize proceeds normally resort to the operation of the stock market, with the purchase of securities and buying expensive equipment (cars, yachts, aircraft, real estate, luxury items). Quite a money laundered in offshore companies on the Internet, and through credit cards, non-bank money transfer systems, and international trade in goods and services. Some, seeking to legalize a large sum several times "zasvechivayutsya" in a casino : subsequent monitoring bodies are difficult to prove that the money is earned for gambling table. Go border Consider how, in practice, these methods legalization. When buying for cash securities, such as bonds, the owner receives coupons for interest paid. When it comes to the bank or pay interest for bonds it issued in the hands of already 'clean' money. Chief Economist IC "NIKoil" Vladimir Tikhomirov told, that 'now, in practice the following transactions : buying American Depository Receipts (ADR), and then exported abroad, where they are sold'. According to Tikhomirov, the popularity of such securities transactions associated with the peculiarities of their passage through customs : for this type of securities is no specific definition, that is not required in the declaration. However, individuals have the right to spend on the purchase of securities of foreign companies more than 75 thousand dollars a year. The ADR for large amounts, typically purchased by friends or relatives. Incidentally, as a 'detergent' not less attractive and travellers' cheques. They also do not require the declaration of the amount, but in the customs declaration of cheques are still celebrating. Expensive toys Among the top money-laundering operations can be applied to precious metals, stones or works of art. Purchased items are design tool and with the formalities can be easily transferred abroad. Those wishing to legalize income (such as those often found people who get paid envelope) sometimes resorted to a risky operation : for example, indicated in the contract for the purchase of real estate is not a market value and the amount Assessment of the BTI. The difference is usually payable 'dirty' money, and then apartments or houses sold at market price. The proceeds from the sales are legal status. The most common procedures performed on the secondary housing market : with a win and remain seller and the buyer. The seller reduced the amount of tax payable from the sale of apartments, and so the buyer gets laundered money. "Make law allows such transactions that is not a uniform system of identification numbers of all taxpayers - individuals. Moreover, there is still no common database for all citizens of Russia, which account for their income ", Lawyer says company Tax Consulting U. K. Andrei Tereshchenko. Experts suggest that these operations are conducted with the shares, and works of art at auction, but in these cases the prices deliberately overstated. The seller receives high and legitimate income. Russian roulette is quite widespread money laundering through lotteries and casinos. The representatives of consulting companies, it is very difficult to determine and verify the facts of money laundering in casinos as with the Treasury gambling house money banknotes can be exchanged for cash, and then present them as a cash payout and transfer cash to the customer. This option is considered reliable enough, because there were witnesses otmyvayuschego money from the gambling establishments. The popularity of gambling on the Internet is growing every day. Hundreds gambling sites that offer users virtual roulette, Black and other games offered by companies registered in the Caribbean. 'Propiska' allows these companies are not subject to the laws of the developed legal and police system and contributes money 'dirty' money by various criminal gangs. Clearly, in most virtual casinos is not asking too much of customers opening an account, you can begin to play, giving only his name and e-mail address. Experts believe that 85% of banks and most financial institutions will strictly adhere to the existing law on money laundering. But smaller banks and rendering office will continue to provide questionable services. Furthermore, there has not yet been attributed to financial "laundry". During four months of the CFM disclosed that only one routine criminal case. Ironically, the committee had already received several hundred thousand messages.

Illegal money

The deputies explained how to launder money Yesterday deputies to the Sejm commission officials in connection with the smuggling of addiction delve into the money laundering scheme. Representing the Head of them against the legalization of criminal funds gained Aldis Lielyuksis. Inconsistencies in the laws allow namyt almost unlimited amounts. Examples : 1) You can say that all your millions from the ring with a large diamond. His legacy you left grandmother after the First World War. Proves that it is not, prosecutors could not; 2) You can register a firm-preferably Harry (general, however, deputies called it in a scientific manner, "declassed element".) Statutory capital, which requires register for the new SIA - only 2000 lats. However, for diversity can be a couple of companies to register themselves and the main thing is that you have had an internal Russian passport. It also recorded. How much money then will go through by this company-you. Find rights for Russian passports virtually impossible. And if you want to launder much immediately, and then open a casino. The equity capital for the plant, 200,000 lats. Incidentally, Aldis Lielyuksis stressed : "The registration of firms or constitutional legality casino money is not taken into account". Mr. Lielyuksis gave other examples. To sell a litre of diesel, needs a licence from SGD trade goods for excise duty. And if you want to buy diesel for himself - no license is needed. - So, is it that people in his car and home dizelka diesel stove on-line purchases of diesel fuel, says General Lielyuksis deputies. Hranit - he's the one on petrol. A friend meanwhile quietly that sells diesel ... In conclusion, the deputies made ober-prokuror Mara Usane. She cited the following statistics : In 2000 (January to October) brought 36 cases - mostly for tax evasion and the licence. However, only two of them were sent to court for two prosecutors started criminal proceedings. A remaining closed ... In general, after yesterday's visit by General Lielyuksisa deputies CARE. And promised to amend several laws. Should be able to elect ... http://www.chas-daily.com/win/2002/02/26/l_041.html

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