Grishin Mikhail Alexandrovich “This can be compared with the departure of tfb”: how asco was merged Mikhail grishin insurance

Mr. Grishin has been with Alfa-Bank since 1994.

Prior to joining Alfa-Bank, Mr. Grishin worked from 1993 to 1994. worked at Aerosoft JSC. From 2002 to 2007 - Head of the Legal Department of Alfa-Bank, under his leadership in 2007 the Bank's Legal Department was recognized as the best Russian legal department among financial corporations. Since 2008 - Director of the Legal Department. He is a member of the Main Credit Committee of the bank. Since November 2006 - Chairman of the Small Credit Committee of the bank. From 2004 to 2013, he was the General Director of OJSC AB Holding. In 2013, he was appointed Deputy Chairman of the Management Board.

Mr. Grishin graduated from the Moscow Institute of Radio Engineering, Electronics and Automation, the Moscow State Law Academy with a degree in Jurisprudence.

Responsibilities

Organization of work to ensure legal support for the activities of the bank and legal protection of the interests of the bank in the course of its activities. Control and general management of the activities of the Legal Department, including the legal services of branches and subsidiaries.

Just before the “entry” of the Central Bank, the insurance business with half a million customers switched to the profit of muddy Moscow “gravediggers”

492 thousand - as much, according to the latest reporting, the current insurance contracts with IC "ASKO". The day before, the Central Bank of the Russian Federation introduced temporary administration into the company, and the prospects for payments are vague. Before that, the insurance business with a 28-year history, owned by Ilshat Fardiev, Ildar Galyautdinov and people close to them, was sold to Muscovites, who had already buried several insurance companies without compensation to clients. BUSINESS Online experts fear reputational losses for all insurers in Tatarstan.

The Bank of Russia has introduced a temporary administration in OOO SG ASKO, one of the oldest and largest insurance companies in Tatarstan. The order was signed on December 21, but published the day before. The reason, as stated in the message of the Central Bank, "improper implementation of the plan to restore solvency." Sergey Chekulaev, an employee of the insurance market department of the Central Bank of the Russian Federation, who arrived from Moscow, was appointed head of the provisional administration. Already at 9 a.m. the day before, the company's offices were closed, and confused customers and even employees were turned away with the words that work would resume no sooner than in 45 days.

According to the company's financial statements, as of the end of September 2017, ASKO had 492,000 active insurance contracts, including 255,000 customers who bought OSAGO policies. In total, during this period, the company settled 16.8 thousand insured events. It is not known what to do with payments now - the license has not yet been revoked, so technically the policies continue to operate. That's just getting something in ASKO is still problematic. Workers are also at risk. As of the end of the first half of 2017, their actual number was 508 people - one might say, an average plant.

Established in Soviet times in Naberezhnye Chelny on the basis of the Avtoservis JV, in 1990 the company secured the ASKO brand, then added various prefixes to it several times and finally established itself as ASKO SG in 2003. By 2010, ASCO already had 15 branches in Russia, having finally transformed into a federal insurer, took 58th position in the Russian rating and 10% in the Tatarstan market. Rapid growth went to the field of auto insurance with OSAGO policies - the direction has become the main source of income for the company. In addition, the company could always count on corporate clients from the business structures of Ilshat Fardiyev and his partner, the chairman of the board of Akibank, Ildar Galyautdinov.

On the eve of the Bank of Russia introduced a temporary administration in ASKO. The reason, as stated in the message of the Central Bank, "improper execution of the plan to restore solvency"Photo: Oleg Spiridonov

They owned ASCO until the last moment - PJSC Akibank (17.9%), Chelny-Broiler LLC (15.23%), Kamsky Bekon LLC (11.81%), Zhilenergoservis LLC ( 7.47%), Svyazinvest (5.84%) and OAO Land Corporation Energia (3.49%), as well as personally Fardiev (7.77%), Galyautdinov (12.3%), shareholder of Akibank Vasima Ashrapova (6.1%), co-owner of Kama Bacon Alexander Klevtsov (3.49%), ex-economist of Tatenergo Gulsina Minnekhanova (7.77%). ASKO, in turn, is a member of the founders of Akibank and Svyazinvest.

However, at the end of November, oddities began: a group with a 28-year history suddenly changed ownership. The deal for the sale of the insurance group, judging by the data of "Contour.Focus", was concluded on November 25. During the registration process, the former owners remained the pledge holders of the shares (up to and including December 18). 99.9% of the shares were transferred to the Moscow City Asset Management Management Company LLC. Less than 0.1% went to Natalya Komarova, the owner of Lavier LLC, a capital company specializing in jurisprudence.

Even earlier, the subsidiary ASKO-Life (one of the top 5 life insurers in the Republic of Tatarstan) went down the slippery slope. Back in March, the company announced that by the end of the year the portfolio of life insurance against accidents and illnesses would be transferred to Chulpan-Life, and ASKO-Life itself would renounce licenses and insurance activities in principle. The deal was closed in June. To date, the participants of the company are Invest S LLC (99.04%) and Alexander Kuznetsov (0.96%). The capital of OOO Invest S, in turn, is held by the Moscow JSC PromSvyazKapital and its main owner Dmitry Ananiev (90%). Literally last Friday, it became known that Ananiev left Russia against the backdrop of the introduction of an interim administration at Promsvyazbank.

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OSAGO FAILED?

What did the ASKO company burn out on, the authorized capital of which as of October 1 was quite a respectable 645 million rubles? The answer is in the structure of the insurance portfolio. At the end of 2016, the most significant share was occupied by auto insurance (61.53%, of which OSAGO - 56.3%, Casco - 5.23%). The unprofitability of OSAGO for insurance companies has not been a secret for a long time - the insurers themselves are shouting about this at every corner. Even the introduction in the current year of the priority of in-kind compensation did not help much.

Last year, according to the banki.ru portal, ASCO received a net loss of 158 million rubles (collection of premiums - 2.8 billion rubles, payments - 1.8 billion, the rest was "eaten" by operating expenses). For 9 months, the total balance of fees and payments from ASCO fell by half - to 454 million rubles. Specifically, the OSAGO balance dipped by 41% to 276 million rubles. It is noteworthy that in Tatarstan the difference between bonuses and payments amounted to a meager 10 million rubles, that is, in fact, this business was deeply unprofitable.

All this time, the company was rapidly curtailing business in most areas. The volume of collected premiums for the three quarters of this year decreased by 0.53 billion rubles, or nearly a quarter, to 1.7 billion rubles. At the same time, in its main segment - OSAGO - the company reduced the amount of fees by 11% to 1.11 billion rubles.

"Mikhail Grishin's team (left) buys up companies, guts them, builds a pyramid - and within a few months the companies cease to exist"

MOSCOW LAWYERS AND THE DAGESTAN TRAIL

Who are they, the daredevils who bought ASKO from Fardiev and Co.? Through the chain of major shares in LLC "MC City Asset Management" - LLC "REK-Avto" - LLC "REK", the ultimate beneficiary is the owner of the Moscow law office "REK" Gusein Musaev. Indirectly, he received 80% of ASKO SG, another 20% nominally settled with Alexei Sukhov, co-owner of the REK-Auto link. This is the official picture, but the sources of BUSINESS Online claim that in fact the Tatarstan insurer fell into the hands of a very well-known person in this market - Mikhail Grishin, with whom Musaev acts either jointly or in his interests.

A certain oddity in the purchase of such a large insurance business by an entrepreneur from Dagestan is indeed evident. With the exception of the Moscow legal office and its "daughters", Musaev's affairs are concentrated in his homeland and are connected with agriculture. Here he is one of the founders of TSN "Cooperator", breeding fruit and berry crops. Here, Musaev was engaged in the liquidation of Tarumovsky Raykoopzagotpromtorg LLC from the structure of the Dagestan consumer union, as well as the dairy farm of Kizlyarsky Koopzagotpromtorg LLC. In Moscow, the operational management of the business is carried out by his son Gadzhimurat Musaev, the general director of the REK.

Musaev Jr. two years ago acted as a representative of the Fin-Polis broker, which took over the settlement of issues with clients of the Kaliningrad insurance company Invest-Alliance. In August 2015, it stopped fulfilling its obligations on hull insurance payments, in October Fin-Polis and Musaev became the negotiator with deceived clients, and Invest-Alliance itself passed to a new owner - the same Grishin, whom BUSINESS Online sources today call the new hidden owner of ASKO.

According to the reviews of Invest-Alliance clients at specialized forums, Fin-Polis and personally Musaev Jr. purposefully “leaked” the insurers: it was impossible to contact them, and a month later, in November, the broker closed its office. Meanwhile, the new owner Grishin, on behalf of Invest-Alliance, continued to insure the liability of tour operators and microfinance organizations. A few months later, in April 2016, the license of IC Invest-Alliance was revoked, and in July the company was declared bankrupt. Bankruptcy proceedings continue today, but, judging by customer reviews, there is nothing to sell: even the furniture in the office of Grishin's company was rented.

The connection between the Musaevs and Grishin can be traced no less clearly through asset ownership schemes. According to the Kontur.Fokus system, historically, Fin-Polis LLC acted as a co-founder of Moskovia-Invest LLC, together with Headup LLC, one of the few companies in whose owners Grishin personally appeared with a half share. Moreover, Moskovia-Invest, in turn, is the main owner of the Moskovia insurance company, which is considered another “victim” of Grishin. Since October of this year, a bankruptcy trustee has been working in IC "Moskovia".

According to ASCO reporting data, at the end of September 2017, the company had 492,000 active insurance contracts. Including 255,000 clients bought OSAGO policiesPhoto: Alexey Malgavko, RIA Novosti

LINE OF BANKRUTS

The role of the "gravedigger" of the faltering insurance companies is assigned to Grishin and the clients of several other insurance companies that have left the market as bankrupts. Grishin diligently avoided open personal involvement in businesses throughout his entire insurance career.

Podolsky IC "Podmoskovye" had its license revoked in July 2017, bankruptcy proceedings will last until September 5, 2018 - in it Grishin was at least a member of the board of directors, representing the company at industry conferences in this capacity. In mid-December, the Deposit Insurance Agency announced a shortage of 1 billion rubles, identified by the results of the inventory of the property of the Moscow Region.

IC Vostok-Alliance lost its license in August 2015, a year earlier the company collected 256.4 million rubles and paid nothing. The names of Grishin and his constant companion Denis Buryakov, as owners, surfaced already against the background of the problems of the UK.

A retrospective of Grishin's career takes us into the first decade of the century. In 2010, the federal press spoke in detail about the situation with IC "Granit" and the broker "F-Policy", whose debts to market participants were estimated at almost 1.5 billion rubles. The bankruptcy of Granit for the first time brought Grishin's surname to the public plane - he was the president and chairman of the board of directors of this insurer, which in 2010 became the record holder for OSAGO debt. In particular, Ingosstrakh had claims against Grishin - for 54 million rubles, Rosgosstrakh, VTB Insurance, Rosstrakh, and the Russian Union of Motor Insurers was forced to return 1.2 billion rubles to Granit customers. It is difficult to say whether the creditors managed to return something, but as soon as the bankruptcy procedure was introduced in Granite, Buryakova's F-Polis claimed claims for 113 million rubles, claiming with such an application for the first line in the register of creditors. Prior to F-Polis, Buryakov headed the St. Petersburg office of Granite.

F-Policy then existed for about a year, later its place was taken by the F-Policy Insurance company of another Grishinsky permanent partner, Ilya Anosov. The co-founder of F-Policy Insurance was SK Continental, which also lost its license in 2010. The founders of "Continental" were the same persons that established "Granit" in their time. They were also present among the shareholders of IC National Quality, which left the market with debts of 31 million rubles after Granit and Continental.

To the extensive list of insurance companies that went bankrupt, it seems, not without the help of Grishin and his team, one can also add the General Insurance Alliance, which lost its license in 2010 - Grishin was one of its main shareholders.

"AFTER THEM ARE THOUSANDS OF ABANDONED CLIENTS"

In November, ASKO in Chelny was headed by Aleksey Kurlovich as a general director, who was engaged in property insurance in the St. Petersburg Gazreserve, which was liquidated two years ago, and also has his own brokerage company Insurance and Reinsurance Broker Atlant in St. Petersburg. Last week, in response to a request from BUSINESS Online about the amount and reasons for the sale of ASKO, Kurlovich replied that he did not mind talking, but only after the New Year holidays, since the deal was not finally closed. Yesterday, the Chelny office did not answer calls.

The phones of Grishin and Musaev Jr. last week were also silent, but BUSINESS Online experts confirm Grishin's involvement in the deal and look to the future with concern: insurers point out the possibility of global damage to the image of the entire industry in Tatarstan from the transformations in ASKO. Thus, Rustem Sabirov, vice-president of the Union of Insurers of Tatarstan and director of Polisserviceconsulting LLC, compares the prospects of ASKO in the market with the banking crisis caused by the bankruptcy of Tatfondbank. Note that Sabirov commented on the problem even before the announcement of the Central Bank, anticipating the obvious development of events.

Rustem Sabirov: “ASKO had problems with liquidity, with reporting, with its own funds. It was necessary to fix all this, but the path chosen was different - to throw the company off itself "Photo:" BUSINESS Online "

“Naturally, I do not have supporting documents, but I have information that is circulating in the insurance market, and the name of Mikhail Grishin is now mentioned precisely in connection with the purchase of ASKO. Unfortunately, - Sabirov emphasized. - Grishin is a really famous person - his team buys up companies, guts them, builds a pyramid - and within a few months the companies cease to exist. Unfortunately, such things are possible today, they, apparently, are not prosecuted by law. Judging by the fact that these people continue to do the same, no one cares that thousands of abandoned customers remain after them. One, two, three times have passed - it brings money, people live by this: they buy a company, pull out everything they can from it, throw the bones into the street.

According to Sabirov, there is no information on the market about the price of the transaction, but one can guess about its reasons. “ASKO had problems with liquidity, with reporting, with its own funds,” says the vice-president of the industry union. - It was necessary to correct all this, but the path chosen was different - to throw off the company from itself. Employees are now leaving ASKO in batches, new directors have been appointed both in Chelny and in the Kazan branch. The market is buzzing. ASKO's withdrawal from the market is very, very possible, and it can be compared with the withdrawal of Tatfondbank. People, of course, will not lose that kind of money, but they will not be able to receive compensation for a burned-out house, for a broken car. Everything is heading towards this. ASKO occupied a leading position in the market of Tatarstan, it is one of the largest local companies. I would like to draw the attention of both law enforcement agencies and the leadership of the republic to this fact, because the insurance community is also worried. After all, after the collapse of the TFB and other banks began to leave the market. I don’t think that the same domino principle can work in insurance, but the information background for all other market participants will definitely deteriorate, and very strongly.”

The head of one of the strongest insurers in the Republic of Tatarstan, who wished to remain anonymous, said that he did not know the names of the ultimate beneficiaries of ASKO, but the prerequisites for the sale of the company had been observed for a long time. “ASKO's portfolios are not very balanced,” our interlocutor noted. - Unprofitable under OSAGO, under other types of insurance. Affiliated structures, non-core assets after the banking crisis, many began to quickly dump, including the energy complex. It is better to sell faster and have real money on hand than headaches with these companies. This process is going on all over Russia, not only in Tatarstan.”

A similar story played out with the NASCO insurance company, which suffered from the collapse of the TFB. The beneficiary of the company, Rinat Khairov, managed to sell it just a few days before the expected revocation of the licensePhoto: "BUSINESS Online"

If everything is more or less clear in the situation with the sale of ASKO SG, then yesterday the Central Bank partly answered the question voiced by Sabirov: a group of people bankrupt companies, leaving their clients with nothing - is there really no justice for them? As Alexander Itselev, deputy head of the insurance regulation department of the Ministry of Finance of the Russian Federation, explained to BUSINESS Online, the Central Bank is responsible for the cleanliness of the insurance market, there are certain measures to influence owners with a not very brilliant reputation. Strengthening the relevant measures, according to Itselev, is now in the project, but for now it remains only to hope that the Central Bank managed to intercept the financial flows of the group on time and the losses of ASCO insurers will remain minimal.

It should be noted that a similar story - albeit with a happy ending - played out at the end of August with the largest IC "NASKO" in Tatarstan, which suffered from the collapse of the TFB. The beneficiary of the company - State Duma deputy of the 6th and 7th convocations Rinat Khairov - managed to sell it to the Moscow Opora Insurance Company JSC. At the same time, according to BUSINESS Online sources, this was done literally a few days before the expected revocation of the license. The owners of ASKO also sold the business, but it seems that the buyers did not inspire the regulator's confidence.

IN MEMORY OF PROFESSOR M.A. GRISHIN
The spiritual unity of any nation is based on memory. The memory of those who, with their lives, remained forever in the minds of those who came after them. Those who, by their deeds for the benefit of man, inscribed themselves in the pages of the history of the region. Those people who could not but leave a bright mark with their whole lives, aimed at a great and necessary cause - at saving life and strengthening human health.
Such a person was a urologist, Professor Mikhail Alexandrovich Grishin - a scientist, practitioner, organizer, PERSONALITY!
Those who had the opportunity to communicate with him through joint work remember him as an unusually subtle intellectual. Correct, self-possessed, gentle in communication, he could always find words of consolation for the afflicted, and convictions for the doubters, and hope for the desperate. His authority was so high that only one word of Professor M.A. Grishin, as they say, raised seriously ill patients from a hospital bed, causing a desire to fight with all their might for life. Together with him - wise and attentive, highly professional and skillful.
November 16, 2008 marked the 102nd anniversary of the birth of Mikhail Aleksandrovich Grishin. He was born into a peasant family, in the village of Leshchinskaya Plata, Timsky district, Kursk province. From August 1919 to June 30, 1923, he attended a full course of all subjects at the First Timsky Soviet School of the 2nd stage, in the third and fourth groups he was in the physics and mathematics department. In 1925 he entered and in 1930 graduated from the medical faculty of Voronezh State University. After that, he first served as an intern in the military infirmary of the 84th rifle division, then for 9 years he worked as a surgeon in the Kursk region.
In 1939, as an intern of the surgical platoon of the medical battalion of the 55th rifle division, M.A. Grishin participated in the liberation of Western Ukraine. In 1940 he was drafted into the army as the head of the surgical department, in the active army from June 23, 1941, went from the intern of the surgical platoon to the head of the surgical department and the leading surgeon on the Southwestern, Central and 1st Belorussian fronts, graduated from service in April 1947 in rank of major of the medical service in Berlin-Buch in the group of Soviet troops in Germany. During the Kharkov encirclement from July 1942 to February 1943 Grishin M.A. was in German captivity, worked in a hospital for prisoners of war, was released by parts of the Soviet Army.
After demobilization, M.A. Grishin was sent to Donbass, in June 1947 he became the head of the urological department of the Voroshilovgrad Regional Hospital. By the way, the first scientific work of the major of the medical service M.A. Grishin was published in 1944, completely unique at that time and was called: “On the timing of surgical intervention for penetrating craniocerebral wounds”, on 18 pages, with drawings and tables (in currently preserved in the cathedral archive by Professor V.R. Pepenin).
As you can see, Mikhail Alexandrovich, before he became known as a urologist, went through the difficult path of a military physician, who had to work hard in an operating room at the front, in a hospital for prisoners of war. Such a school of life formed in him those personal qualities that marked him among military surgeons as an outstanding personality, capable of taking responsibility for people's lives from the standpoint of a humanist. Therefore, probably, it was he who was the person and specialist with a capital letter, who led the process of organizing the urological service in the Lugansk region, which today is one of the most highly organized and qualified in Ukraine.
So, since 1958, M.A. Grishin began working at the Department of Faculty Surgery of the Voroshilovgrad Medical Institute. On February 17, 1959, he defended his thesis for the degree of candidate of medical sciences at the Kharkov Medical Institute on injuries of the urethra (a very relevant topic for our mining region). On February 15, 1961, he was approved as an associate professor at the Department of Urology at the Voroshilovgrad Medical Institute.
That is, a department of urology appeared in the Lugansk region, and this was the beginning of a scientific and practical service that put concrete specialized assistance to needy patients at the head of its activities. And, the need for such assistance was very high. The fact is that our region is endemic, highly dangerous in terms of the incidence of urolithiasis, which required and still requires special methods of diagnosis and treatment, including surgical ones. But, and that's not all. There are many such people among the population who have one single kidney, either of a congenital nature, or as a result of injuries, tumors, followed by an operation to remove the kidney. And, such a contingent requires special knowledge and very specific methods of treatment, including surgery. This category of patients attracted special attention of both M.A. Grishin and, subsequently, his now famous student, professor V.R. Pepenin. Therefore, so much has been done by them in the direction of the development of medical science and practice.
On March 27, 1970, the Higher Attestation Category (HAC) of the USSR awarded M.A. Grishin the degree of Doctor of Medical Sciences. And on November 17, 1972, by the decision of the Higher Attestation Commission of the USSR, he was approved in the academic rank of professor in the Department of Faculty Surgery (course of urology). The medical science of Ukraine, represented by M.A. Grishin, acquired an unusually high specialist in the field of urology, which had the most positive impact on the further development of science and practice both in the Lugansk region and throughout the country. His name appeared on high scientific quorums in various sections of urology and nephrology, his practical experience in surgical intervention for diseases of a single kidney became fundamental in world practice.
An extremely important merit of Professor M.A. Grishin was that he created a scientific urological school, which was later headed by his student, Professor V.R. Pepenin. It must be said that the business, which M.A. Grishin served all his life, was given, as they say, into reliable hands. Professor M.A. Grishin, being a highly qualified specialist, was also an intelligent psychologist of human souls. Among the many practical and scientific workers, he gave preference to those few who later became the pride of domestic science - except for the already named professor V.R. Pepenin, he was the supervisor of the doctoral dissertation of the famous professor G.A. memories of him by Professor V.R. Pepenin: “An intelligent person who never raised his voice, soft and correct, enjoyed unquestioned authority. He always reasoned only logically, he was a brilliant surgeon, by nature, in general, he was complex, he didn’t always let people close to him, so to speak, he “filtered.” But if he singled out someone, then forever! When the state of health did not allow him to stand at the operating table, he came to the operating room and closely observed the surgeons-operators, made comments, but, very tactfully, without prejudice to the dignity and abilities of the urologist.
In the life of a large number of people, according to V.R. Pepenin, he meant a lot - he taught to be a doctor and a person. Intensive clinical work of Professor M.A. Grishin in the field of urology and andrology, allowed him to educate a regional school of uroandrologists in science represented by candidates of medical sciences A.A. Biryukov, A.I. Gaponenko, in practical healthcare - V.S. Tkhorenko, M.L. Stratovich (graduate of the Lugansk Medical Institute in 1968) and others.
Yuri Kukurekin

According to the Unified State Register of Legal Entities and Statregister, Grishin Mikhail Alexandrovich is the founder of the company "F-MEDIA", Moscow. This information was obtained on the basis of an analysis of open sources, may be outdated, does not violate 152-FZ "On Personal Data" in accordance with Art. 6 129-FZ "On State Registration of Legal Entities and Individual Entrepreneurs".

Full name of the legal entity - LIMITED LIABILITY COMPANY "F-MEDIA", address: 111020, MOSCOW, st. BOROVAYA, 7, building 10. The company "F-MEDIA" was registered on September 22, 2006, the registrar is the Interdistrict Inspectorate of the Federal Tax Service No. 46 for the city of MOSCOW. The main activity is "Publishing activity". The company is also registered in such OKVED categories as "Other types of publishing activities", "Printing activities and provision of services in this area", "Manufacture of paper and cardboard products", "Wholesale trade through agents (for a fee or on a contractual basis)", "The activity of specialists in calculating the assessment of insurance probability (actuaries)". PSRN: 5067746787235. INN: 7722588955. KPP: 772201001. Form of ownership - private property. Legal form - limited liability companies.

CEO

. Galunov Vladimir Valentinovich

Founders according to Statregister as of January 2010 Founders according to Statregister as of September 2006 Founders according to Statregister data as of August 2010

. LLC "F-POLIS" (participation share - 51%)

Founders according to Statregister as of April 2011

. OOO "Garant" (participation share - 51%)
. Citizens of Russia (2) (share of participation - 49%)

Founders according to Statregister as of April 2012

. Citizens of Russia (2) (share of participation - 49%)

Founders according to Statregister as of July 2012

. Citizens of Russia (2) (share of participation - 49%)

Founders according to Statregister as of October 2012

. Russian citizens (2)

Founders according to the Unified State Register of Legal Entities as of February 2012

. BURYAKOV DENIS ALEKSANDROVICH (participation share - 24.5%)

Search by " Grishin Mikhail insurance"results: Grishin - 185, Mikhail - 7467, Insurance - 808.

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1. Working scheme, for which they give 9 years. ... FFOMS Vladimir Grishina. Currently Grishin works as an adviser to Stepashin in the Accounts Chamber of the Russian Federation. One of the reasons for the release Grishina from the post was ... information about receiving kickbacks from the regions for receiving subventions from executive authorities and territorial compulsory medical insurance funds. With the beginning of my work, this practice was discontinued. The "ideal accused" Taranov admits that it was not easy for officials to work honestly. It became especially difficult in 2004, when more work was added: Michael ...
Date: 06/11/2010 2. Prosecutors approached Zurabov's main project. ... medical insurance population. The structure appeared only after the adoption of the decision of the Supreme Council of February 24, 1993 # 4543-1 "On the procedure for financing medical insurance citizens for 1993". The Fund was headed by Vladimir Grishin. On August 1, 1998, Andrey Taranov replaced him. The Fund is an independent state financial and credit institution. Its activities are coordinated by the Ministry of Health and Social Development, headed by Michael Zurabov...
Date: 11/17/2006 3. Walkers on a fee. Rates for the services of deputies-lobbyists Grishina A few years ago, lobbying as such was only "black" and almost always smacked of crime.
It is not surprising, therefore, that Pyotr Aven, Vladimir Potanin, Michael Khodorkovsky.
Date: 09/19/2002 4. Insurance Ripper Yevgeny Miroshnikov. ... on the insurance and so they wandered from "Baltstrakhovanie" to RINKO, from where they amicably moved to "Prominstrakh". Having accumulated obligations to equity holders for more than a trillion rubles, this team transferred less than a billion to the fund for protecting the rights of equity holders. But how many billions this team brought to their British offshores, no one even tried to count. And after all, they still feel great, and Yevgeny Miroshnikov even held some honorary positions in advisory bodies at the Central Bank. Michael Grishin ...
Date: 02/19/2020 5. The disastrous business of Yurgens and Grishina. Moreover, the market is well aware that these schemes can be headed by an insurer that has long been accustomed to and well-known in the market. Michael Grishin, who is called the “shadow king of OSAGO” and the “gray eminence of the PCA” on the network.
... met the requirements of the Agency for insurance deposits (DIA) on the invalidation of transactions of IC Moskovia for a total of 374.8 million rubles, which, before the bankruptcy of the company, went to a number of probably affiliated companies Grishin structures...
Date: 07/31/2019 6. The largest Russian banks - 2014. ... Kim Igor V1 KIT Finance Investment bank, OJSC B1 Klyukin Michael G3 Knaster Alex B3 Kovalchuk Yuriy A2 Komarova Fanida V1 Komiregionbank Ukhtabank OJSC V1 Banking company insurance, LLC V2 Kontsebovskaya Margarita G1 Kosogov Andrey B3 Credit...
... G3 Glevich Vitaly G2 GLOBEXBANK, CJSC A3 Gordeev Sergey A1 Gorelyshev Viktor B1 GPB-Ipoteka, AB, OJSC A3 Gref German A1 Grishin Sergey B1 Gryadova Olga V1 Gubaidullin Adel V3 Gudaitis Alexey B2 Gudkov Vladimir G1 Dvoinov Dmitry G2 Devon-Credit, AB...
Date: 02/27/2014 7. The largest Russian banks - 2013. ... Akhmad V3 Karpenko Nikolai V3 Kellner Petr V2 Kim Igor V1 Klyukin Michael G3 Knaster Alex B3 Kovalchuk Yury A2 Komiregionbank "Ukhatabank", OAO V1 Banking company insurance, LLC V2 Kontsebovskaya Margarita G1 Kosogorov Andrey B3 Credit Europe Bank...
... G3 Glevich Vitaly G2 GLOBEXBANK, CJSC A3 Goykhman Andrey G2 Gorelov Dmitry A2 GPB-Ipoteka, AB, OJSC A3 Gref German A1 Grishin Sergey B1 Gryadovaya Olga B1 Gubaidullin Adel V3 Gudaitis Alexey B2 Gudkov Vladimir G1 Dvoinov Dmitry G2 Devon-Credit, AB...
Date: 04/04/2013 8. Sergey Khachaturov's non-insured event. ... suspected of embezzlement of 1 billion rubles. The original of this material © "Kommersant", 04/20/2018, Non-insurance event, Photo: via IA "RBC" Oleg Rubnikovich, Tatyana Grishina Sergei Khachaturov FSB launched a high-profile investigation related to the market insurance ...
As a result, as Kommersant was told by the head of the financial corporation (FC) Otkritie Michael Zadornov, it became clear to them that “theft reigned in Rosgosstrakh from top to bottom”, and “its business model was never aimed at bringing shareholders ...
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Just before the “entry” of the Central Bank, the insurance business with half a million customers switched to the profit of muddy Moscow “gravediggers”

According to the company's financial statements, as of the end of September 2017, ASKO had 492,000 active insurance contracts, including 255,000 customers who bought OSAGO policies. In total, during this period, the company settled 16.8 thousand insured events. It is not known what to do with payments now - the license has not yet been revoked, so technically the policies continue to operate. That's just getting something in ASKO is still problematic. Workers are also at risk. According to the data at the end of the first half of 2017, their actual number was 508 people - one might say, an average plant.

Established in Soviet times in Naberezhnye Chelny on the basis of the Avtoservis JV, in 1990 the company secured the ASKO brand, then added various prefixes to it several times and finally established itself as ASKO SG in 2003. By 2010, ASCO already had 15 branches in Russia, having finally transformed into a federal insurer, took 58th position in the Russian rating and 10% in the Tatarstan market. Rapid growth went to the field of auto insurance with OSAGO policies - the direction has become the main source of income for the company. In addition, the company could always count on corporate clients from the business structures of Ilshat Fardiev and his partner, the chairman of the board of Akibank, Ildar Galyautdinov.

Click to enlarge

OSAGO FAILED?

What did the ASKO company burn out on, the authorized capital of which as of October 1 was quite a respectable 645 million rubles? The answer lies in the structure of the insurance portfolio. At the end of 2016, the most significant share was occupied by auto insurance (61.53%, of which OSAGO - 56.3%, Casco - 5.23%). The unprofitability of OSAGO for insurance companies has not been a secret for a long time - the insurers themselves are shouting about it at every corner. Even the introduction in the current year of the priority of in-kind compensation did not help much.

According to the results of last year, according to the banki.ru portal, ASCO received a net loss of 158 million rubles (collection of premiums - 2.8 billion rubles, payments - 1.8 billion, the rest was "eaten" by operating expenses). For 9 months, the total balance of fees and payments from ASKO fell by half - to 454 million rubles. Specifically, the OSAGO balance dipped by 41% to 276 million rubles. It is noteworthy that in Tatarstan the difference between bonuses and payments amounted to a meager 10 million rubles, that is, in fact, this business was deeply unprofitable.

All this time, the company was rapidly curtailing business in most areas. The volume of collected premiums for the three quarters of this year decreased by 0.53 billion rubles, or nearly a quarter, to 1.7 billion rubles. At the same time, in its main segment, OSAGO, the company reduced the amount of fees by 11% to 1.11 billion rubles.

"Mikhail Grishin's team (left) buys up companies, guts them, builds a pyramid - and within a few months the companies cease to exist"

MOSCOW LAWYERS AND THE DAGESTAN TRAIL

Who are they, the daredevils who bought ASKO from Fardiev and Co.? Through the chain of major shares in LLC MC City Asset Management - LLC REK-Avto - LLC REK, the ultimate beneficiary is the owner of the Moscow law office "REK" Gusein Musaev. Indirectly, he received 80% of ASKO SG, another 20% nominally settled with Alexei Sukhov, co-owner of the REK-Auto link. This is the official picture, but the sources of BUSINESS Online claim that in fact the Tatarstan insurer fell into the hands of a very well-known person in this market - Mikhail Grishin, with whom Musaev acts either jointly or in his interests.

According to ASCO reporting data, at the end of September 2017, the company had 492,000 active insurance contracts. Including 255,000 clients bought OSAGO policiesPhoto: Alexey Malgavko, RIA Novosti

LINE OF BANKRUTS

Podolsky IC Podmoskovye had its license revoked in July 2017, and bankruptcy proceedings will last until September 5, 2018 - in it Grishin was at least a member of the board of directors, in this capacity representing the company at industry conferences. In mid-December, the Deposit Insurance Agency announced a shortage of 1 billion rubles, identified by the results of the inventory of the property of the Moscow Region.

A retrospective of Grishin's career takes us into the first decade of the century. In 2010, the federal press spoke in detail about the situation with IC "Granit" and the broker "F-Policy", whose debts to market participants were estimated at almost 1.5 billion rubles. The bankruptcy of Granit for the first time brought Grishin's surname to the public plane - he was the president and chairman of the board of directors of this insurer, which in 2010 became the record holder for OSAGO debt. Claims against Grishin were, in particular, from Ingosstrakh - for 54 million rubles, from Rosgosstrakh, VTB Insurance, Rosstrakh, and the Russian Union of Motor Insurers was forced to return 1.2 billion rubles to Granit customers. It is difficult to say whether the creditors managed to return something, but as soon as the bankruptcy procedure was introduced in Granite, Buryakova's F-Polis claimed claims for 113 million rubles, claiming with such an application for the first line in the register of creditors. Prior to F-Polis, Buryakov headed the St. Petersburg office of Granite.

"AFTER THEM ARE THOUSANDS OF ABANDONED CLIENTS"

“Naturally, I do not have supporting documents, but I have information that is circulating in the insurance market, and the name of Mikhail Grishin is now mentioned precisely in connection with the purchase of ASKO. Unfortunately, Sabirov stressed. - Grishin is a really famous person - his team buys up companies, guts them, builds a pyramid - and within a few months the companies cease to exist. Unfortunately, such things are possible today, they, apparently, are not prosecuted by law. Judging by the fact that these people continue to do the same, no one cares that thousands of abandoned customers remain after them. One, two, three times have passed - it brings money, people live by this: they buy a company, pull out everything they can from it, throw the bones into the street.

According to Sabirov, there is no information on the market about the price of the transaction, but one can guess about its reasons. “ASKO had problems with liquidity, with reporting, with its own funds,” says the vice president of the industry union. - It was necessary to correct all this, but the path chosen was different - to throw the company off itself. Employees are now leaving ASKO in batches, new directors have been appointed both in Chelny and in the Kazan branch. The market is buzzing. ASKO's withdrawal from the market is very, very possible, and it can be compared with the withdrawal of Tatfondbank. People, of course, will not lose that kind of money, but they will not be able to receive compensation for a burned-out house, for a broken car. Everything is heading towards this. ASKO occupied a leading position in the market of Tatarstan, it is one of the largest local companies. I would like to draw the attention of both law enforcement agencies and the leadership of the republic to this fact, because the insurance community is also worried. After all, after the collapse of the TFB and other banks began to leave the market. I don’t think that the same domino principle can work in insurance, but the information background for all other market participants will definitely deteriorate, and very strongly.”

The head of one of the strongest insurers in the Republic of Tatarstan, who wished to remain anonymous, said that he did not know the names of the ultimate beneficiaries of ASKO, but the prerequisites for the sale of the company had been observed for a long time. “ASKO's portfolios are not very balanced,” our interlocutor noted. — Unprofitable under OSAGO, under other types of insurance. Affiliated structures, non-core assets after the banking crisis, many began to quickly dump, including the energy complex. It is better to sell faster and have real money on hand than headaches with these companies. This process is going on all over Russia, not only in Tatarstan.”

If everything is more or less clear in the situation with the sale of SG ASKO, then yesterday the Central Bank partly answered the question voiced by Sabirov: a group of people bankrupt companies, leaving their clients with nothing - is there really no justice for them? As Alexander Itselev, deputy head of the insurance regulation department of the Ministry of Finance of the Russian Federation, explained to BUSINESS Online, the Central Bank is responsible for the cleanliness of the insurance market, there are certain measures to influence owners with a not very brilliant reputation. Strengthening the relevant measures, according to Itselev, is now in the project, but for now it remains only to hope that the Central Bank managed to intercept the financial flows of the group on time and the losses of ASCO insurers will remain minimal.

It should be noted that a similar story - albeit with a happy ending - played out at the end of August with the largest IC NASKO in Tatarstan, which suffered from the collapse of the TFB. The beneficiary of the company, a State Duma deputy of the 6th and 7th convocations, Rinat Khairov, managed to sell it to the Moscow Opora Insurance Company JSC. At the same time, according to BUSINESS Online sources, this was done literally a few days before the expected revocation of the license. The owners of ASKO also sold the business, but it seems that the buyers did not inspire the regulator's confidence.

The reform of domestic auto insurance has been completed. It was expected that she would insure the OSAGO system against losses caused by fraudulent schemes, but in the end everything turned into an increase in tariffs. A natural question arises: are those who initiated it interested in the implementation of the initially announced tasks? Or is the leadership of the Russian Union of Motor Insurers, together with manual insurers and law enforcement officers, creating a base for their own enrichment?
Moreover, the market is well aware that these schemes can be headed by an insurer that has long been accustomed to and well-known in the market, which is called the “shadow king of OSAGO” and the “gray eminence of the PCA” on the network. Some even consider him to be almost a senior partner of Jurgens. It cannot be that the person who caused the billion-dollar damage to the auto insurance market and the PCA was unknown. And therefore, the question is not surprising: why did the head of the PCA, while reforming OSAGO, do nothing to protect the market from the schemes of Grishin's "funeral team"?

Passion for payouts

The volume of payments from the compensation fund of the PCA in 2018 was a record since 2004, that is, for the entire period of the law on compulsory auto insurance, and amounted to 9.5 billion rubles. As a result, PCA, which does not conduct independent insurance activities in the market, has become one of the largest payers in the auto insurance market, ranking 6th in terms of payments made in 2018. And this despite the fact that payments from the PCA guarantee funds are made only for bankrupt insurers. It is noteworthy that for the second year in a row, companies that are associated with have become leaders in the rating in terms of the largest volumes of payments from the PCA compensation fund. In 2017, JSC IC Podmoskovye was one of the leaders in the rating, in 2018 - IC Moskovia, and there were more than 4 billion rubles. The total damage caused by Grishin’s “funeral team” to the auto insurance market can be comparable to the collapse Rosgosstrakh" in 2017. Then the company's losses amounted to tens of billions of rubles. Although the investigation imputed directly to the top managers of the company only a little more than 1 billion rubles. "Kindergarten" against the backdrop of adventures. According to various assumptions, the damage from the activities of which in the OSAGO market is already in the first three months of this year, with a calculation of about 2 billion rubles.

Operation Cover

If Grishin himself is the “shadow king of OSAGO”, then obviously his “bright” hypostasis is the head of the PCA, who for some reason does everything to ensure that all auto insurance losses are on some auto lawyers, but at the same time fundamentally does not notice the actions of one of the most famous, let’s say, adventurers , on the market. You might think that he is covering up, in this way, accomplices. But only last year, the PCA had to make payments for seven OSAGO insurers who left the market in 2017-2018. Among them, the Ministry of Internal Affairs did not ignore such compensatory activity of the RAMI and hinted that in the course of these payments, RAMI officials could be involved in the withdrawal of funds from the compensation fund to the accounts of individuals. In a particular report of the GUEBiPK of the Ministry of Internal Affairs of the Russian Federation, which became public, that the Russian Union of Motor Insurers, which in such cases must make payments from the compensation fund, does not try to influence the situation. “In our opinion, this is a concealment of a crime, if not complicity in it”, the report says. activities of the RSA and the Prosecutor General's Office. According to some information, the prosecutors were also allegedly surprised that many insurers had time to withdraw all liquid assets before bankruptcy. But in response to all the checks, he said that the remarks were of a technical nature, and even the PCA on countering fraud in the Prosecutor General's Office. And as if it is not clear why the deputies of the State Duma and the Ministry of Internal Affairs are so worried about the activities of the OSAGO and RSA insurers themselves. In particular, the PCA’s refusal to take an active stance in the fight against fraudsters, against companies and their leaders. Moreover, two years ago, the PCA admitted that “many insurers leave the market involuntarily and did not fulfill their obligations, while receiving contract premiums. The amount of money withdrawn by unscrupulous players from the OSAGO market for 2003-2017 about 24.4 billion rubles". And the “funeral” activity in the team’s market was certainly not a secret for Jurgens. But then Yurgens, by all indications, simply ignored the warnings and made it clear to everyone that the RSA did not intend to avoid payments and prevent the theft of car enthusiasts' money. stated that in the future there will be similar cases by limiting the number of OSAGO policy forms that an insurer can receive depending on its performance. Although this threat affected anyone, but not. Paradoxically, but knowing about his schemes with policies, RSA in recent years, under any pretext of issued forms to insurers.

Brotherly Gesheft

“Grishin is a really famous person - his team buys up companies, guts them, builds a pyramid - and within a few months the companies cease to exist. Unfortunately, such things are possible today, they, apparently, are not prosecuted by law. Judging by the fact that these people continue to do the same, no one cares that thousands of abandoned customers remain after them. One, two, three times have passed - it brings money, people live by this: they buy a company, pull out everything they can from it, throw the bones into the street ", - Vice-President of the Union of Insurers of Tatarstan Rustem Sabirov.What can be called "Grishin's scheme" has been working since 2008, being "run-in" at the "Granit" company. Then, for two years, Grishin's company, breathing its last breath, operated with policies received from the PCA. As a result, after its bankruptcy and the collapse of the companies affiliated with it, the PCA had to pay off the debts of these organizations for a record amount even for today - almost 1.5 billion rubles. with "Granite", was tested and the bankruptcy of the insurance companies "National Quality", "Continental", "Vostok-Alliance", "General Insurance Alliance", IC "Invest-Alliance" was improved. Now the business model was not built on the withdrawal of assets from insurance companies close to bankruptcy. Often, the former owners of the insurers have already taken care of this. Grishin, apparently, had only to take care of the "worthy funeral" of such companies: pumping them with policy forms, their implementation and the subsequent transfer of debts to the jurisdiction of the PCA with the cashing out of compensation funds. And it turns out that the RSA, headed by Yurgens, actually guaranteed cover for Grishin and uninterrupted provision of his policies. Moreover, the RSA can dispose of the policies at its own discretion, since the union itself is not accountable to anyone and. Only for a few months in At the end of 2017 - the first half of 2018, according to this scheme, it was probably Grishin, with the participation of Yurgens, who bankrupted Moskovia, Yuzhuralzhaso, SG ASKO LLC and JSC SK Podmoskovye. The situation looks something like this: Grishin with an indifferent attitude to PCA ( “concealment of a crime, if not complicity in it”, wasn’t this what they were talking about in the Ministry of Internal Affairs) almost in bulk bought up insurance companies that were in a pre-bankruptcy state, helping their owners to leave along with their assets. Grishin already has at least 25 such companies on his account, and this is not counting the “successes” of the new 2019 season. What is the benefit to Grishin and Yurgens from this? The question is rhetorical. Apart from the conditional gratitude of the managers and owners of insurance companies, whom the tandem seemed to help evade responsibility, as well as the cashing out of compfunds, the sweetest thing is the operations with policies. The prices for “left” policies are well known on the market. It is not difficult to find companies on the Internet, for two thousand rubles an electronic OSAGO policy without payments for only 2000 rubles. You can also purchase paper at a price of 100 rubles per thousand, or for 1000 rubles if you need only one form. But if the OSAGO form is carried out according to the official PCA database, then the price for each will be 4000 rubles, and there are no discounts. about false - counterfeit policies. But it is obvious that such a service is impossible without the help of the PCA functionaries. Thus, for each insurance policy form “shipped” to the problematic insurance company, the responsible PCA officials can receive quite tangible “gratitude”. Having sold, as expected, 15,000 policies per quarter to such a "muddy" company, the PCA functionaries, apparently, receive about 40 million rubles. It seems that the income of Grishin, who, thanks to the generosity of the PCA, sells these policies to car owners under the roof of bankrupt insurers, is at least five times higher. For example, according to the DIA report in 2018, 557 creditor claims were filed 82 million rubles.In turn, the Moscow Arbitration Court satisfied the requirements of the Deposit Insurance Agency (DIA) to invalidate the transactions of IC Moskovia for a total of 374.8 million rubles, which before the bankruptcy of the company went to a number of probably affiliated with Grishin. This was the reason for the GSU Main Directorate of the Ministry of Internal Affairs of Russia for the city of Moscow to initiate an insurer about the theft of funds. But it is unlikely that the Ministry of Internal Affairs will be able, and even willing, to return the millions withdrawn from the company. It is possible that part of this money is actively spent by him on bribing the same employees of the Ministry of Internal Affairs. Otherwise, it is surprising why Grishin has been running his schemes without hindrance for many years. Moskovia received the largest RSA payments in 2018. For the company from the compensation funds of the PCA 2.1 billion rubles. In total, the Russian Union of Motor Insurers on the debts of companies associated with ASKO (1.0 billion), Yuzhuralzhaso (765 million), Podmoskovye (1 billion), Vostok-Alliance (256.4 million .) and others about 5 billion rubles. At the same time, according to tradition, more than 243 million rubles worth of assets were withdrawn from Yuzhuralzhaso. From IC ASKO, according to the Central Bank of the Russian Federation, the former management and owners of the group have assets of more than 900 million rubles. Now Grishin’s friends from the RSA, according to some estimates, are preparing to pay another 1.5 billion under the Siberian Spas agreements, after from there, probably not without the participation of the “shadow king of OSAGO”, traditional schemes with policies were turned up. We must pay tribute to the regulator: the Central Bank quickly revoked the license from JSC IC Siberian Spas due to “the presence of a threat to the rights and legitimate interests of policyholders, insured persons and beneficiaries, the stability of the insurance market in terms of OSAGO ”the temporary administration is here. The Central Bank promptly drew attention to the withdrawal of funds by fraudsters from the company and deprived its beneficiaries of the opportunity to continue their frauds. At the same time, as noted in the message of the regulator, the insurer is already more than 20% of the minimum allowable value of the normative ratio of own funds (capital) and assumed obligations established by law. But why did the law enforcement officers and the RSA miss this situation?

Leftist strengthens marriage

In fairness, it must be said that Jurgens nevertheless “cheated” on his partner several times with other insurance barons. For example, with the insurance company "Dalakfes", which issued policies when it was already in a pre-bankrupt state. Now a lump is growing around Dalakfes, the bankruptcy of the insurer is paid by the state, the PCA traditionally pays for the insurance issued by the insurance company. At the same time, the DIA refuses to recognize most of the claims made by Dalakfes creditors, stating approximately that a significant part of the funds were simply owners. We are also talking about the already traditional OSAGO policy for this market. How could this happen in the DIA and the Ministry of Internal Affairs would like to know from, politely inviting him to “meetings”, but their results, how and whether Yurgens himself attended them, is still unknown .And ahead of Yurgens, explanations are still waiting for NASKO, for the management of which from the Central Bank is already in the Prosecutor General's Office. At the same time, Yurgens is not shy in his public statements and declares his intentions of as much as 7 billion rubles together with figures from this company. After all, payment cases are in the company, and compensation payments from the fund are with Yurgens. And even the company itself does not deny the grandiosity of the RSA plans for payments and has already begun to publicly prepare the ground for their development. In addition, not without the support of the RSA, the owners of NASCO seem to have already got rid of more than a thousand employees without paying salaries and severance pay. It even got to the point that the employees allegedly even held rallies near the company's offices for several days. But what is the income from Dalakfes or NASCO, which cannot be compared with the systematic partnership with Grishin.

The tops can't, the bottoms don't want

Looking at the joint activity of Yurgens and Grishin, the suspicion involuntarily creeps in that such a violent activity would not have been possible without the patronage of the “shoulder straps”. Not generals, of course, but such quite a grassroots and / or middle level - colonels. It is the grassroots level, the level of “operators from the ground” that guarantees that any serious accusation against the tandem will fall apart at the stage of collecting evidence and facts. The suspicion is strengthened by the fact that so far not a single case against Grishin has been brought to light. to end. For how many of the 25-odd bankrupt companies or tens of billions withdrawn he was held accountable? Correctly. Not one and not one. At one time, the head of the Main Directorate of Economic Security and Countermeasures dealt with this issue Andrey Kurnosenko , but he also turned out to be powerless in the face of that system of corrupt ties in the lower ranks of the Ministry of Internal Affairs, which Yurgens and Grishin can actively use, breeding what is usually called "". And the Grishin-Yurgens group, it seems, both worked and continues to work. Only, of course, this is not such an organized group with murders and racketeering, but businessmen who, by all indications, enjoy the support of law enforcement officers. But from this, the social harm from their activities is likely only greater. It is not for nothing that telegram channels called Grishin’s team “funeral.” From all of the above, we can conclude that the RSA, the Ministry of Internal Affairs and other supervisory and punitive authorities allow Grishin to gut the insurance market with impunity, and criminal cases initiated on the facts of fraud and theft in insurance companies are initiated in relation to an unknown circle of people, and then just fall apart. But Grishin and his friends from the RSA do not even consider it necessary to particularly hide their activities, and are well known to the market. Judging by the claims that have accumulated against Grishin and Yurgens, the leadership of the Ministry of Internal Affairs with the main Russian insurer and his illegal gesheft. But, it seems, the ministerial car fails at the middle and low levels. In particular, when it comes to the same auto lawyers and fraud on receiving OSAGO payments, it is no secret to anyone that these schemes cannot work without “fruitful” cooperation with the police and the traffic police. And even more so when it comes to such a large-scale business as that of Grishin-Yurgens. It can be assumed that the lower levels of the police system are tightly tied to Grishin, otherwise it is difficult to explain why they do not even try to stop his activities. Therefore, it is obvious that all attempts by the leadership of the Ministry of Internal Affairs to resolve the issue with this insurance "funeral group" are in vain, since the "roof" of middle and lower-level police officers who simply bury cases and do not bring them to court. At the same time, it is generally accepted that any bank, the insurance company and other financial institutions of any size are under control. But after the arrest of the colonels who oversaw the financial sector, it is not difficult to understand why the adventures of the “team” and its friends from the RSA are not noticed point blank. Until recently, it would seem strange that the problem of such a large-scale theft in the country's financial market is not of interest to the Federal Security Service. Now it is not difficult to assume that the tentacles of the tandem of Grishin and Yurgens reached out to the service, and therefore multibillion-dollar scams in the auto insurance market are apparently not a problem of national security. Here, for example, as already reported, law enforcement officers became interested in the withdrawal of funds from the ASKO company, and the Prosecutor General's Office had to transfer the case to the Investigative Committee. But the question did not reach the Investigative Committee, and it “got stuck” somewhere with the employees of the Ministry of Internal Affairs. Maybe what they couldn't do Kolokoltsev and Bortnikov would have done Bastrykin But even then he was not given a chance. So in a year, we will continue to count the new companies that, apparently, Grishin buried in tandem with Jurgens, and the damage they inflicted on the auto insurance market.

"Old men don't belong here!"

It is clear that Yurgens will blame all the problems of the auto insurance market on auto lawyers and other scammers, although it is obvious that, having such lobbying resources, Yurgens could long ago lobby for the necessary changes in legislation. But apparently it's for him. Most likely because auto lawyers allow you to cover up other schemes that cause the main damage to the market. Therefore, while the RSA is in charge, all auto insurance reforms will continue to be limited to raising OSAGO rates, and conscientious car owners and insurers will continue to pay all sorts of scammers in the auto insurance market. Domestic auto insurance will be able to earn normally only when Yurgens is replaced by a younger and more energetic, and most importantly, an experienced and principled leader who can rid the market of the “funeral team” of the “shadow king of OSAGO” and the “gray eminence of the PCA” and his schemes. And at the same time deal with the criminal legacy of his predecessor.

It remains to be hoped that under the new head of the PCA and the VSS, the Ministry of Internal Affairs and the Investigative Committee will finally be able to attract Grishin to the fullest extent of the law and reduce the growth of insurance fraud.