Эксперты оценили расходы банков на цифровой рубль

cryptonews.ru2021-11-23 tarihinde yayınlandı2024-10-23 tarihinde güncellendi

Российским банкам придется потратить значительные суммы на внедрение цифрового рубля, предупреждают эксперты

Минимальные инвестиции для начала работы с новой формой нацвалюты могут составлять от 120 до 200 млн рублей. Небольшим банкам придется непросто, пишет «Коммерсант».

Почему цифровой рубль такой дорогой

Некоторые участники рынка предполагают, что минимальный порог для внедрения цифрового рубля для банков может начинаться с 200 млн рублей. По их словам, для подключения к новому продукту потребуется адаптация практически всех систем кредитной организации.

Кроме того, для создания необходимой инфраструктуры понадобятся мощные серверы и новое программное обеспечение. Для среднего банка расходы на оборудование могут составить не менее 40 млн рублей, а на программное обеспечение — около 80 млн рублей.

Эксперты подчеркивают, что при росте подключаемых клиентов и операций понадобятся дополнительные инвестиции в развитие инфраструктуры и покупку новых лицензий. По их словам, важно также учитывать, что банкам также придется потратить значительные суммы на повышение квалификации сотрудников или даже найм новых кадров.

Читайте также: Как цифровой рубль изменит Россию — 5 главных метаморфоз

Ранее специалисты проводили подобное исследование, в результате которого выяснили, что на внедрение цифры всей банковской потратить порядка 50 млрд рублей.

Проблемы для маленьких банков

Участники рынка опасаются, что высокие затраты окажутся непосильными для большинства банков.

Профессор МВА бизнес-практики по цифровым финансам РАНХиГС Алексей Войлуков указал на неподъемность таких огромных инвестиций. По его словам, у банков с базовой лицензией на всю IT-структуру заложено в среднем 20 млн рублей от всего бюджета. Если придется выделять больше, то им придется просто «сворачивать бизнес».

Председатель Ассоциации участников рынка электронных денег Виктор Достов считает, что выходом может стать четкая стратегия заработка на цифровом рубле.

Тем не менее не все остаются пессимистичными. Так, некоторые эксперты говорят о том, что со временем стоимость подключения к платформе цифрового рубля может снизиться.

Читайте также: Выживет ли цифровой рубль — мнения экспертов

На фоне описанных выше проблем глава Банка России Эльвира Набиуллина заявила о штрафах для банков. Регулятор планирует наказывать финорганизации, если те сорвут сроки подключения к платформе цифрового рубля.

Не все так печально

Пока решения разрабатываются индивидуально для крупных банков. Однако в будущем на рынке могут появиться более доступные коробочные решения и облачные платформы. Это снизит порог входа для малых и средних банков.

Ранее в ЦБ РФ назвали сроки массового внедрения цифрового рубля. По словам регулятора, новая форма нацвалюты станет частью российской финансовой системы с первого июля 2025 года. Тогда пользователям станут доступны переводы и прием цифры через банковскую структуру.

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