Российские банки начали снижать лимиты по картам клиентов

Фото rugrad.eu

{"ID":"450940","~ID":"450940","TAGS":"банки, кредит, кризис, карта, лимит, кредитование","~TAGS":"банки, кредит, кризис, карта, лимит, кредитование","NAME":"Российские банки начали снижать лимиты по картам клиентов","~NAME":"Российские банки начали снижать лимиты по картам клиентов","IBLOCK_ID":"54","~IBLOCK_ID":"54","IBLOCK_SECTION_ID":"4067","~IBLOCK_SECTION_ID":"4067","DETAIL_TEXT":"\u003Cp\u003EСтремясь подстраховаться от возможного обострения кризисной ситуации, российские банки начали принимать меры против рисков неплатежей со стороны держателей кредитных карт. В некоторых банках начали снижать или вообще закрывать лимиты по картам клиентов, которые не просрочили ни одного платежа, но, как стало известно банку, например, потеряли работу. При этом заемщики могут и не сообщать в банк об изменении своего статуса: информацию об их положении большинство банков берет из бюро кредитных историй, пишет сегодня \u0026quot;\u003Ca href=\u0022http:\/\/www.kommersant.ru\/doc\/1803436\u0022 \u003EКоммерсант\u003C\/a\u003E\u0026quot;.\r\n\u003C\/p\u003E\u003Cp\u003E\r\nСнижение лимитов по картам заемщиков, продолжающих аккуратно обслуживать кредиты, но проявивших признаки ухудшения платежеспособности, - превентивная мера, которой банки активно пользуются во время обострения кризиса. Так, в конце 2008\u0026mdash;начале 2009 года к такой практике прибегали лидеры потребкредитования \u0026quot;Русский стандарт\u0026quot;, ХКФ-банк, \u0026quot;Ренессанс кредит\u0026quot;, а также ряд универсальных банков. В нынешней нестабильной финансовой ситуации банки решили вернуться к испробованному методу предотвращения неплатежей. \r\n\u003C\/p\u003E\u003Cp\u003E\r\nПри этом для оценки платежеспособности заемщиков банки, помимо собственных данных, используют данные бюро кредитных историй, которые предусматривают информирование банка о возникновении у заемщика просрочки по кредитам в других банках, увеличении кредитной нагрузки (появлении новых кредитов), пролонгации или реструктуризации им своих кредитных обязательств. \r\n\u003C\/p\u003E\u003Cp\u003E\r\nЗа последние несколько месяцев спрос на данный продукт со стороны банков вырос почти вдвое. \r\n\u003C\/p\u003E\u003Cp\u003E\r\nВ банках подтверждают, что активизировали мониторинг платежеспособности заемщиков и стараются минимизировать риски, в том числе и в упредительном порядке снижая лимиты по кредиткам, поскольку данная опция эффективна с точки зрения предотвращения дефолтов по кредитам заемщика. \u0026quot;Если у заемщика возникают просроченные обязательства по другим кредитам, вероятность того, что лимит по карте будет использован для погашения просрочки и возникнет просроченная задолженность еще и по кредитной карте, весьма велика\u0026quot;,\u0026mdash; поясняют банки, добавляя, что в ряде случаев банк уменьшает лимит заемщику при ухудшении качества обслуживания долга, но на блокировку карты финансовая организация идет лишь при появлении просроченной задолженности.\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\u003Cspan style=\u0022font-weight: bold;\u0022\u003EДля справки\u003C\/span\u003E\r\n\u003C\/p\u003E\u003Cp\u003E\r\nПо данным агентства Frank research group, по итогам августа объем задолженности граждан перед банками по кредитным картам составлял 350,2 млрд руб. при общем портфеле розничных кредитов по данным ЦБ \u0026mdash; 4,8 трлн руб. Топ-10 банков по объему задолженности по кредитным картам: \u0026quot;Русский стандарт\u0026quot; (доля рынка 17,3%), Сбербанк (13,3%), ВТБ 24 (10,1%), ТКС-банк (5,4%), ОТП-банк (5,36%), Ситибанк (4,1%), ХКФ-банк (3,8%), Альфа-банк (3,6%), Росбанк (3,2%), Кредит Европа банк (2,2%). \u003C\/p\u003E","~DETAIL_TEXT":"\u003Cp\u003EСтремясь подстраховаться от возможного обострения кризисной ситуации, российские банки начали принимать меры против рисков неплатежей со стороны держателей кредитных карт. В некоторых банках начали снижать или вообще закрывать лимиты по картам клиентов, которые не просрочили ни одного платежа, но, как стало известно банку, например, потеряли работу. При этом заемщики могут и не сообщать в банк об изменении своего статуса: информацию об их положении большинство банков берет из бюро кредитных историй, пишет сегодня \u0026quot;\u003Ca href=\u0022http:\/\/www.kommersant.ru\/doc\/1803436\u0022 \u003EКоммерсант\u003C\/a\u003E\u0026quot;.\r\n\u003C\/p\u003E\u003Cp\u003E\r\nСнижение лимитов по картам заемщиков, продолжающих аккуратно обслуживать кредиты, но проявивших признаки ухудшения платежеспособности, - превентивная мера, которой банки активно пользуются во время обострения кризиса. Так, в конце 2008\u0026mdash;начале 2009 года к такой практике прибегали лидеры потребкредитования \u0026quot;Русский стандарт\u0026quot;, ХКФ-банк, \u0026quot;Ренессанс кредит\u0026quot;, а также ряд универсальных банков. В нынешней нестабильной финансовой ситуации банки решили вернуться к испробованному методу предотвращения неплатежей. \r\n\u003C\/p\u003E\u003Cp\u003E\r\nПри этом для оценки платежеспособности заемщиков банки, помимо собственных данных, используют данные бюро кредитных историй, которые предусматривают информирование банка о возникновении у заемщика просрочки по кредитам в других банках, увеличении кредитной нагрузки (появлении новых кредитов), пролонгации или реструктуризации им своих кредитных обязательств. \r\n\u003C\/p\u003E\u003Cp\u003E\r\nЗа последние несколько месяцев спрос на данный продукт со стороны банков вырос почти вдвое. \r\n\u003C\/p\u003E\u003Cp\u003E\r\nВ банках подтверждают, что активизировали мониторинг платежеспособности заемщиков и стараются минимизировать риски, в том числе и в упредительном порядке снижая лимиты по кредиткам, поскольку данная опция эффективна с точки зрения предотвращения дефолтов по кредитам заемщика. \u0026quot;Если у заемщика возникают просроченные обязательства по другим кредитам, вероятность того, что лимит по карте будет использован для погашения просрочки и возникнет просроченная задолженность еще и по кредитной карте, весьма велика\u0026quot;,\u0026mdash; поясняют банки, добавляя, что в ряде случаев банк уменьшает лимит заемщику при ухудшении качества обслуживания долга, но на блокировку карты финансовая организация идет лишь при появлении просроченной задолженности.\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\u003Cspan style=\u0022font-weight: bold;\u0022\u003EДля справки\u003C\/span\u003E\r\n\u003C\/p\u003E\u003Cp\u003E\r\nПо данным агентства Frank research group, по итогам августа объем задолженности граждан перед банками по кредитным картам составлял 350,2 млрд руб. при общем портфеле розничных кредитов по данным ЦБ \u0026mdash; 4,8 трлн руб. 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