1
-
-
2011
2 65.262
/
[
] ;
-
, .
-
131
ISBN 978-5-7310-2660-4
,
.
65.262
-
-
, , , , , ,
:
-
ISBN...
5 downloads
203 Views
19MB Size
Report
This content was uploaded by our users and we assume good faith they have the permission to share this book. If you own the copyright to this book and it is wrongfully on our website, we offer a simple DMCA procedure to remove your content from our site. Start by pressing the button below!
Report copyright / DMCA form
1
-
-
2011
2 65.262
/
[
] ;
-
, .
-
131
ISBN 978-5-7310-2660-4
,
.
65.262
-
-
, , , , , ,
:
-
ISBN 978-5-7310-2660-4
3
........................................................................................................ 4
...................................................................................................... 6 ........................................................... 6
1.3.
.......................................................................... 22 .............. 38 .............................................. 44 .................................................................................................. 44 .................................... 52
.............................................................................................................. 57 3.1. ........................................................................................ 57 .... 61 ................................................. 68 -
......................... 68
4.2. ................. 73 ........................................................ 78
................................................................................................................ 83 .............................. 83 ....... 97
........... 102 ..................................................................................................... 128 .......................................................................... 130
4
-
-
5
-
.
-
1.1), 1.1), -
1.3),
4.1), 1.2),
5.1), 5.1) 4.3
3.2), 4.2).
6
,
7
.
I
1
.
2
1
: . 2010.
2
. 1910
., 1910.
8
-
-
-
-
-
9 -
;
-
3
.
-
3
.
10
;
-
-
1980-
-
11
-
-
1080,58% 4 .4
8,2 ;
(
-
4
.
)
12
-
-
13
-
. -
.
14
90-
1300
.
-
-
.
15 , .
,
,
.
.
-
16
,
ittee on Payment and Settlement Systems).
17
-
.
18
.
19
. -
70-
1990MasterCard, American Express NCC Union Contact,
-
1.1
,
-
.
20
*
5
2009 20
(66,2%)
(68,0%)
2
,
5
.
21
.
.
210-
c
.
22
-
.
1.2
)6 .
( :
;
-
6
;
. 2008.
3.
.
23
;
;
. -
,
24
7
2. 2
10 8 9
, UnionPay Visa 7
. 2007.
2.
8
; 2008. .
9
. 10
.
MasterCard, 3.
.
25
(
).
. .
(
,
26
-
,
. ).
27
8611
.
2, . .
28
( ,
1.
).
29
. 2. , . 3. ,
.
;
30
1)
2)
-
3)
4)
. ,
-
,
31
1)
2)
3) 4)
5)
-
32
1)
2) 3) 4)
5) 6)
7)
33
8) 9) 10) 11) 12) 13) 14) 15) 16) 17) 18)
1) 2) 3) 4)
34
. -
; .
1)
2) 3)
4)
5)
6)
. .
35
. -
.
.
. .
36 1) 2)
3)
4)
37
:
.
. .
supervision oversight
. oversight
38
.
.
1.3.
,
39
?
,
11
-
11
;
40
12
-
-
, ? ,
-
;
,
12
,
. .
2.
41
,
42
, 18
,
-
-
. .
43
,
44
2.
13
-
13
-
-
45
. 01.01.2010
-
-
46 -
-
-2
,
-2 35 3
-
2.1.
47
.
. , . ,
Fedwire -
,
. 14
14
23.07.2007.
48
3
2.3.
49
:
,
,
-
15
15
50
51
-
16
-
-
16
2009.
.
52
-
-
17
17
53
-
,
2008
1,7
-
54
-
-
-
18
18
.
http://web01.portal.cbr.ru/mirrorcbr/analytics/print.asp?file=09-1.htm
55
III
46,7
IV 5,3
19
.
0,0 III
9 2009 1,4 2010 . 72,9
.
-
19
http://web01.portal.cbr.ru/mirrorcbr/analytics/print.asp?file=09- IV.htm
56
57
3.1.
,
.
.
:
; ;
58
; ;
;
-
59
).
.
;
60
(VISA
MasterCard
IOSCO 20 21 22
.
-
20 21 22
-19. . . . .
. 2008. . 2008.
. 8. . 11.
61
,
-
Webcreds
.). : -
-
-
3.2. -
62
-
-
63 23
-
23
16 ,
64
-
-
. 1.
. 2. 3. 4. -
-
65
-
-
86-
66
-2010 (I
-
. -
67
-
68
4.1. -
1
89,2%. 01.10.2008
,
International
38,0% -
,
-
69
-
16,10 19,43 -
.
2009 ..
0,2%.
0,3%.
70
-
1445.
2008 1361.
,
.
-
71 -
-
4,2
,
I . - 10,1%
2010
40%.
I - 2,6%
72
-
-
: -
MIFARE; VISA PayWavt
MasterCard
Pay Pass; - NFC-
EMV-
NFC ; -
. ; POSPOS-
73
. 14-09/12578.
14-09/14449.
4.2.
74
.24 -
-
.
24
75
-
-
-
-
-
)
25
25
. ru/legislation/
76
-
-
.
77 -
-
.
78
-
79
,
-
-
210-
80
-
-
-
,
17 -
81 -
-
.
;
82 ; -
-
-
83
(Visa Cash, Proton, PayPal, E-Gold (Visa International, MasterCard International (WebMoney, . -
26
26
. .
-
. 23.
84
-
-
27
; 28
. -
27
. .
28
.
-
. 23.
85
29
30
29
. . .
30
. .
: 08.00.10. 1999. . . . 25-35.
.
86
1) 2) 3)
31
. -
32
.
33 31
.
The E-Money Directive 2000/46/EC// European Central Bank. 2000. . . . . . 29. 33 Tachs R. Forum on the Development of Electronic Payment Technologies and its Implications for Monetary Policy (interim Report) // Institute for Monetary Economic Studies, Discussion Paper 2000 Japan 200C, Ely B, Electronic Money and Monetary Policy: Separating Fact from Fiction // Paper presented at trie Cato Institute'1; 14th Annual. 32
87
. 34
.
. ,
,
,
Mondex, E-Gold, WebMoney 34
Monetary Conference 1996. May 23.
88 WebMoney
35
D.G. Hayes . 36
.
37
38
35 36
// .
. 2003.
25 (1-
.
. 33.
37
. 38
.
. 8.
89
.
39
.
-
e-port.
.
,
39
.
-
90
. 5. WebMoney
wmr, wmz
E-Gold , 40
.
5.1
)
40
. 39-40.
91
E-Gold, Web oney Mondex
41
E-cash
. . 42
1) 2)
:
5.2); 5.3); . 5.2 )
SWIFT berplat WebMoney Paycash Cyberplat ASSiSt E-port Eaccess Phonepay Rapida 41
Business Online. 2001.
42
.
92
WebMoney Paycash Anelik Contact Rapida
. 5. customer to business
5.3 .
)
Anelik Western Union Money Gram Contact Rapida Cyberplat (Cyberpros) Cyberplat (Cybercheck)
Paycash WebMoney
93 5.4 )
Anelik - Mondex,
-
Assist PIN -
pin-
Swift
Assist
.
4)
E-port Creditpilot Web oney Paycash Rapida Paycash Web oney
Eaccess Phonepay
94 5) 7)
; 43
.
-
-
Avant, Cash Card, Chipknip, GeldKarte
e-Cash, Magex, PayCash).
43
. 2005.
2. . 37-
. 42-45.
95
BarclayCoin, PayPal).
-
Visa Cash, Mondex) Visa
MasterCard).
,
96
,
.
1. -
2.
3.
97
5.2 ,
-
-
.
36-
-
-
-
98
(network-
-Gold, Ru-port, Rapida. -
44
;
44
.
99
. . . -
5.5 45
-
13,3 11,2 24,5
278,3 20,2 298,5
;
45
.
100 -
b
n
r n in
ns
n
101 (MSB
n n
r
Service
;
-
102
V X
animal vegetabilis
46
-
V X
46
.
103
hule
,
-
-
-
-
104 -
V X -
perpetuum mobile 47
- -
V X -
-
47
. 23.
, 1978.
141.
105
.
-
-
XII 48
48
.
, 1991. 175
106
. 49
.
-
;
-
-
-
49
-
-
107
-
-
-
-
1270 50
-
50
, .
, 1926. 274
108
-
-
25
-
109
,
-
-
110
1534
-
XVII
111
-
-
I
112
51
.
-
51
, .
, 1926. 274
113
6.1). 6.1 1700 1760
1700
1730
86,4 11,1 2,5
54,3 43 2,7
52
-
-
-
52
2000.
.
,
114 -
-
-
-
115
53
3
.
-
1
.
-
-
53
2000.
,
116 -
1876
1883
,
-
117
54
-
6.2). 6.2 1897
55
137 75
12 6,6
436 122
34,9 9,8
642 144
49,2 11
928
81,4
691
55,3
518
39,8
1140
100
1249
100
1304
100
.
54
1984
55
1892
, 1960. . 368.
. 56.
118
,
,
101, 56
.
1895 4 57
.
-
6.
56 57
:
. . 1984. . 56.
119 6.3 1917
4576
5617
9097
9864
464
-
-
-
120
-
-
-
1866
3200
6208
5006
7026
2 46 8865
60 106 15471
68 112 15050 58
59
58
2000. 59
.
.
,
120
60
.
,
61
60
61
.
121
.
. -
-
62
76
)63; -
62
1.
63
.
.
122 64
. -
65
66
.
-
64
0,5%. 65
2. . 70.
66
, 1982.
123
320 6 1
-
-
10 67
68
.
-
67
68
.
124 -
69
.
70
-
69 70
-
.
125
71
.
-
72
.
-
-
-
71
. 72
, 1939.
126
-
,
,
. -
,
-
-
-
,
XI XIII
127
-
X XIII
-
XVII
XX
XI XIII
128
-
-
-
129
FATF.
130
1.
02.12.1990 -1.
2. 3. 4. 5. 6. 7.
. -519. . -
8.
1987.
1.
9. 1984. 10.
1992. 1.
11. .
, 2000.
12. 13. 14.
2002.
-19. .
, 1991.
1892
, 1960.
15. . 2004. 16. 17.
.
2010. :
, 1923. 18. .
: 08.00.10. 1999.
19. 20.
1991.
2.
2008. 21.
2004.
22.
Business Online.
2001.
23. .
, 1982.
131 24. 2006.
5.
25. 2005. 26.
2, 3.
. 2006.
27. . 23. , 1978. 28. Monetary Conference on The Future of Money in Information Age . Washington D.C., 1996, May 23. 29. 2008. 3. 30. 2007. 2. 31. 2010. //
32.
2003.
25
(133.
, .
:
1926.
34. 35. The E-Money Directive 2000/46/EC// European Central Bank. 36. 1989. 6. 37. http://www.cbr.ru 38. http://www1.minfin.ru/ru/legislation
1939. 2000.
132
-
18. ,25
3
180 -
-