Problems of Legal Regulation of Savings Certificates

Until 2018, the savings certificate was a very attractive and popular banking product. However, after amendments to legislation that led to the abolition of presenting savings certificates, in 2018 credit organizations stopped issuing them. In turn, credit organizations prefer not to issue registered savings certificates, since it is more profitable for them to place funds of the population in deposits that are not certified by savings certificates.

The paper assesses the reasons for the prohibition of presenting certificates, establishes their insufficient validity. The paper is relevant since it examines not only the aforementioned legal problem, which requires a legislative reaction, but also he increased need of the Russian economy for «long money» over the past two years. The President of the Russian Federation in his Address to the Federal Assembly in February 2024 proposed to provide special conditions for the placement of irrevocable certificates that would stimulate the population to invest in them at the level of legislation. The paper analyzed the idea of issuing irrevocable certificates and evaluates the conditions for their placement in terms of their attractiveness to the population.

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