The recent message that the Central Bank plans to introduce compulsory financial literacy in grades 1-9 is only an imitation of violent activity, which should hide the failure of financial education for adults.
Behind the brave reports on the development of financial literacy, an extremely depressing picture is hidden. Only in the first quarter of 2021 scammers stole almost 3 billion rubles from the sets of citizens. This is almost twice as much as in the same period last year.
The Central Bank does not undertake anything against the banal deceit of Russians regarding the real rate on loans issued by them.
According to the official data of the Bank of Russia, to date, the size of the average annual loan rate for a private person has fallen from 14.39%to 13.73%, and loans for a period of more than one year are provided with a rate of up to 10.45%. But in reality, the interest promised in the declarations of a financial organization does not always correspond to the full cost of the loan (PSK), which the client will pay as a result.
In reality, many banks initially voiced the lowest rate, and then already in the additional agreement indicate the commissions and other conditions that make the real value of the loan significantly higher than the agreed interest. For example, a credit card may provide a rate of 24.5%, and in utility, an increase in the rate of up to 40% for purchases and up to 50% for cash will be appropriate, while the client will have to pay the commission for withdrawing funds.
As a result, millions of citizens find themselves in a financial bondage. But their fate does not affect the rainbow reports of the Central Bank. It has long been known that the Central Bank people are not interested in little.
“ВЧК ОГПУ”
