Банк Москвы могут наказать за необоснованное повышение ставки кредита

{"ID":"476593","~ID":"476593","TAGS":"","~TAGS":"","NAME":"Банк Москвы могут наказать за необоснованное повышение ставки кредита","~NAME":"Банк Москвы могут наказать за необоснованное повышение ставки кредита","IBLOCK_ID":"54","~IBLOCK_ID":"54","IBLOCK_SECTION_ID":"4067","~IBLOCK_SECTION_ID":"4067","DETAIL_TEXT":"\u003Cp\u003EБанк Москвы, в кризис повысивший процентную ставку по одному из кредитов, может стать виновником шока в банковской системе. Если спор с индивидуальным предпринимателем сложится не в пользу банка, кредитные организации ожидает вал исков от заемщиков, желающих оспорить повышение ставок по их кредитам во времена финансовой нестабильности два-три года назад. Суммы таких претензий могут исчисляться миллиардами рублей.\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\r\n\u003C\/p\u003E\u003Cp\u003E\r\nВчера Высший арбитражный суд (ВАС) отправил на новое рассмотрение спор индивидуального предпринимателя Андрея Семенова и Банка Москвы. В 2007 году бизнесмен получил от банка кредит по ставке 14% годовых, но осенью 2008 года банк в одностороннем порядке (это позволяли условия кредитного договора) повысил процентную ставку до 24,5%.\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\r\n\u003C\/p\u003E\u003Cp\u003E\r\nКризис вызвал резкое удорожание средств, которыми располагали банки, и они практически все вынуждены были компенсировать потери за счет заемщиков, вспоминает глава комитета по инвестиционной политике Торгово-промышленной палаты Антон Данилов-Данильян. По его словам, в тех случаях, когда банки заранее вставляли в кредитное соглашение пункты о возможности пересмотра ставки, они практически всегда этим пользовались.\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\r\n\u003C\/p\u003E\u003Cp\u003E\r\nСудьи, передавшие дело в ВАС, посчитали условия кредитного договора кабальными и указали, что при изменении процентной ставки банк должен действовать \u0026laquo;разумно и добросовестно\u0026raquo;. \u0026laquo;В этом деле еще рано ставить точку: то, что ВАС вернул дело на новое рассмотрение, совсем не означает, что в конечном итоге суд все же встанет на сторону заемщика\u0026raquo;, \u0026mdash; прокомментировали РБК daily ситуацию в Банке Москвы.\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\r\n\u003C\/p\u003E\u003Cp\u003E\r\nФормулировка \u0026laquo;добросовестность\u0026raquo; в отношении конкретных цифр тяжело интерпретируется, замечает замдиректора департамента финансовой стабильности Банка России Сергей Моисеев. В западной практике есть примеры регулирования запредельных процентных ставок. \u0026laquo;Такие нормы регулирования включают в себя размер максимально возможных, или ростовщических ставок. В некоторых штатах США с таких ставок платится больший налог\u0026raquo;, \u0026mdash; говорит он. Другой подход связан с изучением того, какой доход имеет заемщик. Так, в Польше, Чехии и Бразилии устанавливаются пределы отношения задолженности и текущих процентных платежей к доходу заемщика, и банки не должны выходить за эти пределы, подчеркивает г-н Моисеев.\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\r\n\u003C\/p\u003E\u003Cp\u003E\r\nВ этом конкретном случае банк критиковали за то, что он воспользовался правом повышения процентной ставки, не объяснив, почему именно на такую величину произошло увеличение, считает партнер АБ \u0026laquo;Линия права\u0026raquo; Дмитрий Крупышев.\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\r\n\u003C\/p\u003E\u003Cp\u003E\r\nЕсли Банк Москвы проиграет спор, от этого пострадают банки, специализирующиеся на кредитовании малого бизнеса. Для ядра банковского сектора это, напротив, будет некритично: большую часть дохода они получают от кредитования не индивидуалов, а крупнейших корпораций, утверждает г-н Моисеев.\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\u0026laquo;Даже если предположить, что ставки повысили лишь 50% банков, которые остро нуждались в ликвидности, и повышение ставки произошло на 10%, то за период 2009\u0026mdash;2011 годов заемщики могли переплатить примерно 1,5 трлн руб. процентов, которые теперь предстоит вернуть банкам, если все клиенты банков обратятся в суд и выиграют дела. Если учесть, что сейчас в России около тысячи банков, а мы рассматриваем лишь 50% из них, то в среднем на каждый банк придется 3 млрд руб. убытков. Годовая прибыль крупнейших банков в среднем составляет около 22 млрд руб., так что в случае необходимости вернуть лишние проценты она будет уменьшена на 13\u0026mdash;15%. Если же это средний банк, то снижение прибыли может достичь и 30\u0026mdash;35% по итогам года\u0026raquo;, \u0026mdash; подсчитал глава розничного направления ФГ БКС Эмиль Юсупов.\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\r\n\u003C\/p\u003E\u003Cp\u003E\r\nЕсли предприниматель выиграет спор с Банком Москвы, это может рассматриваться как определенный прецедент, предполагает партнер Baker \u0026amp; McKenzie Игорь Горчаков: \u0026laquo;Я не удивлюсь, если суды скажут, что в данном случае кредитный договор является договором присоединения и заемщик не имел возможности выбирать, поэтому я не удивлюсь, если за этим последует большое количество аналогичных исков\u0026raquo;.\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\r\n\u003C\/p\u003E\u003Cp\u003E\r\nВпрочем, сами банкиры не считают, что суды захлестнет волна подобных исков. Банковской системе вряд ли дадут понести столь существенные убытки \u0026mdash; это равносильно снижению капитала системы, поясняет зампредседателя правления Абсолют Банка Евгений Ретюнский. К тому же в основном такие случаи будут касаться индивидуальных предпринимателей и частных лиц. Сами банки смогут аргументировать разумность повышений, например, через привязку процентных ставок к рыночным индикаторам.\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\r\n\u003C\/p\u003E\u003Cp\u003E\r\nИсточник: \u003Ca href=\u0022http:\/\/www.rbcdaily.ru\/\u0022 target=\u0022_blank\u0022 \u003Erbcdaily.ru\u003C\/a\u003E\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\u003C\/p\u003E","~DETAIL_TEXT":"\u003Cp\u003EБанк Москвы, в кризис повысивший процентную ставку по одному из кредитов, может стать виновником шока в банковской системе. Если спор с индивидуальным предпринимателем сложится не в пользу банка, кредитные организации ожидает вал исков от заемщиков, желающих оспорить повышение ставок по их кредитам во времена финансовой нестабильности два-три года назад. Суммы таких претензий могут исчисляться миллиардами рублей.\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\r\n\u003C\/p\u003E\u003Cp\u003E\r\nВчера Высший арбитражный суд (ВАС) отправил на новое рассмотрение спор индивидуального предпринимателя Андрея Семенова и Банка Москвы. В 2007 году бизнесмен получил от банка кредит по ставке 14% годовых, но осенью 2008 года банк в одностороннем порядке (это позволяли условия кредитного договора) повысил процентную ставку до 24,5%.\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\r\n\u003C\/p\u003E\u003Cp\u003E\r\nКризис вызвал резкое удорожание средств, которыми располагали банки, и они практически все вынуждены были компенсировать потери за счет заемщиков, вспоминает глава комитета по инвестиционной политике Торгово-промышленной палаты Антон Данилов-Данильян. По его словам, в тех случаях, когда банки заранее вставляли в кредитное соглашение пункты о возможности пересмотра ставки, они практически всегда этим пользовались.\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\r\n\u003C\/p\u003E\u003Cp\u003E\r\nСудьи, передавшие дело в ВАС, посчитали условия кредитного договора кабальными и указали, что при изменении процентной ставки банк должен действовать \u0026laquo;разумно и добросовестно\u0026raquo;. \u0026laquo;В этом деле еще рано ставить точку: то, что ВАС вернул дело на новое рассмотрение, совсем не означает, что в конечном итоге суд все же встанет на сторону заемщика\u0026raquo;, \u0026mdash; прокомментировали РБК daily ситуацию в Банке Москвы.\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\r\n\u003C\/p\u003E\u003Cp\u003E\r\nФормулировка \u0026laquo;добросовестность\u0026raquo; в отношении конкретных цифр тяжело интерпретируется, замечает замдиректора департамента финансовой стабильности Банка России Сергей Моисеев. В западной практике есть примеры регулирования запредельных процентных ставок. \u0026laquo;Такие нормы регулирования включают в себя размер максимально возможных, или ростовщических ставок. В некоторых штатах США с таких ставок платится больший налог\u0026raquo;, \u0026mdash; говорит он. Другой подход связан с изучением того, какой доход имеет заемщик. Так, в Польше, Чехии и Бразилии устанавливаются пределы отношения задолженности и текущих процентных платежей к доходу заемщика, и банки не должны выходить за эти пределы, подчеркивает г-н Моисеев.\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\r\n\u003C\/p\u003E\u003Cp\u003E\r\nВ этом конкретном случае банк критиковали за то, что он воспользовался правом повышения процентной ставки, не объяснив, почему именно на такую величину произошло увеличение, считает партнер АБ \u0026laquo;Линия права\u0026raquo; Дмитрий Крупышев.\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\r\n\u003C\/p\u003E\u003Cp\u003E\r\nЕсли Банк Москвы проиграет спор, от этого пострадают банки, специализирующиеся на кредитовании малого бизнеса. Для ядра банковского сектора это, напротив, будет некритично: большую часть дохода они получают от кредитования не индивидуалов, а крупнейших корпораций, утверждает г-н Моисеев.\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\u0026laquo;Даже если предположить, что ставки повысили лишь 50% банков, которые остро нуждались в ликвидности, и повышение ставки произошло на 10%, то за период 2009\u0026mdash;2011 годов заемщики могли переплатить примерно 1,5 трлн руб. процентов, которые теперь предстоит вернуть банкам, если все клиенты банков обратятся в суд и выиграют дела. Если учесть, что сейчас в России около тысячи банков, а мы рассматриваем лишь 50% из них, то в среднем на каждый банк придется 3 млрд руб. убытков. Годовая прибыль крупнейших банков в среднем составляет около 22 млрд руб., так что в случае необходимости вернуть лишние проценты она будет уменьшена на 13\u0026mdash;15%. Если же это средний банк, то снижение прибыли может достичь и 30\u0026mdash;35% по итогам года\u0026raquo;, \u0026mdash; подсчитал глава розничного направления ФГ БКС Эмиль Юсупов.\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\r\n\u003C\/p\u003E\u003Cp\u003E\r\nЕсли предприниматель выиграет спор с Банком Москвы, это может рассматриваться как определенный прецедент, предполагает партнер Baker \u0026amp; McKenzie Игорь Горчаков: \u0026laquo;Я не удивлюсь, если суды скажут, что в данном случае кредитный договор является договором присоединения и заемщик не имел возможности выбирать, поэтому я не удивлюсь, если за этим последует большое количество аналогичных исков\u0026raquo;.\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\r\n\u003C\/p\u003E\u003Cp\u003E\r\nВпрочем, сами банкиры не считают, что суды захлестнет волна подобных исков. Банковской системе вряд ли дадут понести столь существенные убытки \u0026mdash; это равносильно снижению капитала системы, поясняет зампредседателя правления Абсолют Банка Евгений Ретюнский. К тому же в основном такие случаи будут касаться индивидуальных предпринимателей и частных лиц. Сами банки смогут аргументировать разумность повышений, например, через привязку процентных ставок к рыночным индикаторам.\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\r\n\u003C\/p\u003E\u003Cp\u003E\r\nИсточник: \u003Ca href=\u0022http:\/\/www.rbcdaily.ru\/\u0022 target=\u0022_blank\u0022 \u003Erbcdaily.ru\u003C\/a\u003E\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\u003C\/p\u003E","DETAIL_TEXT_TYPE":"html","~DETAIL_TEXT_TYPE":"html","PREVIEW_TEXT":"","~PREVIEW_TEXT":"","PREVIEW_TEXT_TYPE":"text","~PREVIEW_TEXT_TYPE":"text","DETAIL_PICTURE":{"ID":"244041","TIMESTAMP_X":"30.01.2015 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