Why are safes still safe for valuables?
According to a business report Iran is an economistAccording to global statistics, safe deposit boxes (or, to be more precise, rental funds) are 20 to 30 times safer than private homes. This fact, regardless of any analysis, indicates the rationality of the choice of funds to hold valuables. Funds in banks or Place Are protected and easy to access; High costs for protecting funds against hazards such as theft, fire, natural disasters such as floods, earthquakes and accidents Arising from Crisis های Social and so on. All this is in order to confirm the rationality of keeping the property in these funds. But despite all this, we still see thefts from the boxes and complaints about the loss or damage of valuables inside the boxes. Although in the general answer, funds can be selected to hold valuable property, questions remain that the answer to which will help both parties to the contract (the lender and the trustee) to reach the optimal path.
During the past few days (Sunday, June 6), we witnessed the theft from the safe deposit box of one of the branches of Bank Melli on Enghelab Street in Tehran. There was a lot of talk about it in cyberspace, which was generally aimed at reducing public trust in funds and banks. But as mentioned, the rate of theft from funds is much less than residential houses, and of course a small part of theft from banks مریط To the boxes. This evidence rejects the media climate that has developed over the past few days and continues to make funds a safer place to keep them, but also raises the fundamental question of how we can have more secure funds. How to protect funds from potential risks?
The first question refers to the security of the funds by the trustees and the banks, a range of security measures and systemic and individual malpractices, each of which must be remedied to prevent a recurrence. Including optimization of identification systems, improvement of physical structure and ensuring impenetrability from outside, multi-layer monitoring and…. These and possibly many other things that security experts and banking protocols are aware of can be a strong barrier against thieves, but what is always overlooked is the intelligence of thieves and their up-to-dateness in the methods used that need to be constantly updated and countered. Claims.
The second question is posed by fund applicants; How can funds be kept as far away from potential risks as possible? The first answer available is insurance. Insure yourself against risks to be fully assured. But this is not accepted by most banks that offer rental funds around the world. The reason is clear: the cost of potential risks to the benefits and the amount of rent are not covered, so it can not be applied.
The right solution in this case, like all the problems that involve both supply and demand, is obtained from the interaction and bargaining of the parties. The two-way solutions can be summarized as follows:
Banks that provide fund services can compete with other banks that provide these services to satisfy customers and demand more rents by providing more valuable services. Classify applicants to make fundraising services one of their strengths in attracting customers and cheap deposits. Categorize services by improving the security of funds and designing different contracts to be more efficient in compensating for potential damages. For example, there are two types of appointments, one with the bank’s knowledge of the contents of the funds and their insurance, and the other without insurance for each item and only general insurance up to a certain limit.
On the applicants side, the first and most important point is that with all that has happened, the funds can still be trusted. The second point is to review and compare the terms and types of contracts of different funds and then select them. This requires a thorough review of the fund lease agreements. In addition, safety tips are very important. If you have access to insurance and a variety of contracts, be sure to consider them.
Finally, what is important is the public and applicants’ demand for the security of the funds, which, in addition to making the funds more competitive, can lead to safer performance of the funds.
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