Эксперт: Банки сами провоцируют рост долгов россиян по кредитным картам

{"ID":"490352","~ID":"490352","TAGS":"","~TAGS":"","NAME":"Эксперт: Банки сами провоцируют рост долгов россиян по кредитным картам","~NAME":"Эксперт: Банки сами провоцируют рост долгов россиян по кредитным картам","IBLOCK_ID":"54","~IBLOCK_ID":"54","IBLOCK_SECTION_ID":"4067","~IBLOCK_SECTION_ID":"4067","DETAIL_TEXT":"\r\n\u003Cp\u003EРоссийский рынок кредитных карт находится в фазе активного роста. Карточный механизм внедряется во все большее количество банковских продуктов, при этом половина жителей страны еще не воспользовалась подобными предложениями. По данным ЦБ и основных игроков, россияне набрали карточных кредитов в объеме почти 500 млрд. руб. (более 12% от совокупного объема выданных банками кредитов физическим лицам, составляющим 4,2 трлн руб.), и продолжают брать. Вместе с тем, по данным коллекторской компании \u0026laquo;Секвойя кредит консолидейшн\u0026raquo;, растет число граждан, которые не могут вовремя вернуть кредит. \u003C\/p\u003E\r\n\r\n\u003Cp\u003E \u003C\/p\u003E\r\n\r\n\u003Cp\u003E Просроченная задолженность по кредитным картам уже занимает четвертую часть портфеля коллекторских агентств. Резкий рост этого показателя состоялся в 2009-2010 годах (2009 г. - 16,7%, 2010 г. - 28,4 %) и достиг пика в 2011 году (29,3%), что объясняется периодом избавления банков от проблемных задолженностей кризисных 2008 и 2009 годов. И хотя доля задолженности по кредитным картам в структуре иных долгов, с которыми борются коллекторы, немного снизилась (до 24,9% на примере \u0026laquo;Секвойя кредит консолидейшн\u0026raquo;), сумма переданных коллекторам долгов данной категории за последние три года выросла в 7,8 раза. \u003C\/p\u003E\r\n\r\n\u003Cp\u003E \u003C\/p\u003E\r\n\r\n\u003Cp\u003E По словам гендиректора \u0026laquo;Секвойя кредит консолидейшн\u0026raquo; Елены Докучаевой, виноваты в складывающейся ситуации банки, активно раздающие населению кредитки и увеличивающие кредитные лимиты по ним. Ежегодный прирост объема просроченной задолженности по кредитным картам эксперт оценивает на уровне 12-15%. Таким образом, уже к концу года карточные долги опередят в процентном соотношении такие сегменты, как потребительский и денежный кредит. \u0026laquo;Увеличению их доли будут способствовать и реструктуризированные в кризис долги по кредитным картам, которые так и не были погашены\u0026raquo;, - добавляет г-жа Докучаева. \u003C\/p\u003E\r\n\r\n\u003Cp\u003E \u003C\/p\u003E\r\n\r\n\u003Cp\u003E Вместе с тем, портрет карточного должника за последние три года претерпел изменения. Если в 2009 году это был 35-летний мужчина со средним или средним специальным образованием, то сейчас соотношение мужчин и женщин среди должников по кредитным картам сравнялось. Средний возраст должника при этом остался на уровне 38 лет, образование - высшее либо среднее. \u003C\/p\u003E\r\n\r\n\u003Cp\u003E \u003C\/p\u003E\r\n\r\n\u003Cp\u003E Растут и аппетиты должников. Так, средний размер задолженности вырос с 39,5 тыс. руб. в 2009 году до 47,5 руб. в 2012 году, т.е. в 1,2 раза. Примечательно, что параллельно почти на 30% вырос и средний размер кредитного лимита, предоставленного банками заемщикам: с 14,4 тыс. руб. в 2009 году до 19,5 тыс. руб. в 2012 году. \u003C\/p\u003E\r\n\r\n\u003Cp\u003E \u003C\/p\u003E\r\n\r\n\u003Cp\u003E \u0026laquo;Благодаря доступности и гибким условиям погашения кредитной задолженности, кредитные карты зачастую воспринимаются в качестве дебетовых, и их пользователи порой совершают импульсивные покупки, переоценивая свои финансовые возможности. Как правило, такое поведение в большей степени свойственно женщинам. Мужчины же более консервативно подходят к вопросам подобных приобретений\u0026raquo;, - отмечает гендиректор \u0026laquo;Секвойя кредит консолидейшн\u0026raquo;. \u003C\/p\u003E\r\n\r\n\u003Cp\u003E \u003C\/p\u003E\r\n\r\n\u003Cp\u003E В ТОП-10 рейтинга по количеству карточных должников входят Москва (9,15%), Санкт-Петербург (5,15%), Краснодарский край (3,42%), Свердловская область (3,3%), Самарская область (3,18%), Московская область (3,15%), Республика Татарстан (3,03%), Кемеровская область (2,79%), Ростовская область (2,57%), Нижегородская область (2,53 %). В числе регионов с наименьшим количеством задолженностей данной категории - Чеченская Республика, Дагестан, Ингушетия, Калмыкия, Алтай, Тыва, Камчатский край, а также Ямало-Ненецкий, Чукотский, Ненецкий автономные округа. Таким образом, можно отметить, что наметилась тенденция к более низким темпам роста количества карточных должников в мегаполисах и к более высоким темпам - на \u0026laquo;периферии\u0026raquo;. \u003C\/p\u003E\r\n\r\n\u003Cp\u003E \u003C\/p\u003E\r\n\r\n\u003Cp\u003E Для справки. Считается, что в России на 100 человек приходится 11 кредиток, тогда как в Бразилии - 96, а в США - 223. В США 46% всех американцев из месяца в месяц имеют отрицательное сальдо баланса по кредитной карте. В общей сложности долг американцев по кредитным картам составляет 798 млрд долл. На данный момент в Соединенных Штатах активировано более 600 млн кредитных карт. \u003C\/p\u003E\r\n\r\n\u003Cp\u003E \u003C\/p\u003E\r\n\r\n\u003Cp\u003E Источник: \u003Ca href=\u0022http:\/\/www.rbcdaily.ru\/\u0022 target=\u0022_blank\u0022 \u003Erbcdaily.ru\u003C\/a\u003E \u003C\/p\u003E\r\n\r\n\u003Cp\u003E \u003C\/p\u003E\r\n","~DETAIL_TEXT":"\r\n\u003Cp\u003EРоссийский рынок кредитных карт находится в фазе активного роста. Карточный механизм внедряется во все большее количество банковских продуктов, при этом половина жителей страны еще не воспользовалась подобными предложениями. По данным ЦБ и основных игроков, россияне набрали карточных кредитов в объеме почти 500 млрд. руб. (более 12% от совокупного объема выданных банками кредитов физическим лицам, составляющим 4,2 трлн руб.), и продолжают брать. Вместе с тем, по данным коллекторской компании \u0026laquo;Секвойя кредит консолидейшн\u0026raquo;, растет число граждан, которые не могут вовремя вернуть кредит. \u003C\/p\u003E\r\n\r\n\u003Cp\u003E \u003C\/p\u003E\r\n\r\n\u003Cp\u003E Просроченная задолженность по кредитным картам уже занимает четвертую часть портфеля коллекторских агентств. Резкий рост этого показателя состоялся в 2009-2010 годах (2009 г. - 16,7%, 2010 г. - 28,4 %) и достиг пика в 2011 году (29,3%), что объясняется периодом избавления банков от проблемных задолженностей кризисных 2008 и 2009 годов. И хотя доля задолженности по кредитным картам в структуре иных долгов, с которыми борются коллекторы, немного снизилась (до 24,9% на примере \u0026laquo;Секвойя кредит консолидейшн\u0026raquo;), сумма переданных коллекторам долгов данной категории за последние три года выросла в 7,8 раза. \u003C\/p\u003E\r\n\r\n\u003Cp\u003E \u003C\/p\u003E\r\n\r\n\u003Cp\u003E По словам гендиректора \u0026laquo;Секвойя кредит консолидейшн\u0026raquo; Елены Докучаевой, виноваты в складывающейся ситуации банки, активно раздающие населению кредитки и увеличивающие кредитные лимиты по ним. Ежегодный прирост объема просроченной задолженности по кредитным картам эксперт оценивает на уровне 12-15%. Таким образом, уже к концу года карточные долги опередят в процентном соотношении такие сегменты, как потребительский и денежный кредит. \u0026laquo;Увеличению их доли будут способствовать и реструктуризированные в кризис долги по кредитным картам, которые так и не были погашены\u0026raquo;, - добавляет г-жа Докучаева. \u003C\/p\u003E\r\n\r\n\u003Cp\u003E \u003C\/p\u003E\r\n\r\n\u003Cp\u003E Вместе с тем, портрет карточного должника за последние три года претерпел изменения. Если в 2009 году это был 35-летний мужчина со средним или средним специальным образованием, то сейчас соотношение мужчин и женщин среди должников по кредитным картам сравнялось. Средний возраст должника при этом остался на уровне 38 лет, образование - высшее либо среднее. \u003C\/p\u003E\r\n\r\n\u003Cp\u003E \u003C\/p\u003E\r\n\r\n\u003Cp\u003E Растут и аппетиты должников. Так, средний размер задолженности вырос с 39,5 тыс. руб. в 2009 году до 47,5 руб. в 2012 году, т.е. в 1,2 раза. Примечательно, что параллельно почти на 30% вырос и средний размер кредитного лимита, предоставленного банками заемщикам: с 14,4 тыс. руб. в 2009 году до 19,5 тыс. руб. в 2012 году. \u003C\/p\u003E\r\n\r\n\u003Cp\u003E \u003C\/p\u003E\r\n\r\n\u003Cp\u003E \u0026laquo;Благодаря доступности и гибким условиям погашения кредитной задолженности, кредитные карты зачастую воспринимаются в качестве дебетовых, и их пользователи порой совершают импульсивные покупки, переоценивая свои финансовые возможности. Как правило, такое поведение в большей степени свойственно женщинам. Мужчины же более консервативно подходят к вопросам подобных приобретений\u0026raquo;, - отмечает гендиректор \u0026laquo;Секвойя кредит консолидейшн\u0026raquo;. \u003C\/p\u003E\r\n\r\n\u003Cp\u003E \u003C\/p\u003E\r\n\r\n\u003Cp\u003E В ТОП-10 рейтинга по количеству карточных должников входят Москва (9,15%), Санкт-Петербург (5,15%), Краснодарский край (3,42%), Свердловская область (3,3%), Самарская область (3,18%), Московская область (3,15%), Республика Татарстан (3,03%), Кемеровская область (2,79%), Ростовская область (2,57%), Нижегородская область (2,53 %). В числе регионов с наименьшим количеством задолженностей данной категории - Чеченская Республика, Дагестан, Ингушетия, Калмыкия, Алтай, Тыва, Камчатский край, а также Ямало-Ненецкий, Чукотский, Ненецкий автономные округа. Таким образом, можно отметить, что наметилась тенденция к более низким темпам роста количества карточных должников в мегаполисах и к более высоким темпам - на \u0026laquo;периферии\u0026raquo;. \u003C\/p\u003E\r\n\r\n\u003Cp\u003E \u003C\/p\u003E\r\n\r\n\u003Cp\u003E Для справки. Считается, что в России на 100 человек приходится 11 кредиток, тогда как в Бразилии - 96, а в США - 223. В США 46% всех американцев из месяца в месяц имеют отрицательное сальдо баланса по кредитной карте. В общей сложности долг американцев по кредитным картам составляет 798 млрд долл. На данный момент в Соединенных Штатах активировано более 600 млн кредитных карт. \u003C\/p\u003E\r\n\r\n\u003Cp\u003E \u003C\/p\u003E\r\n\r\n\u003Cp\u003E Источник: \u003Ca href=\u0022http:\/\/www.rbcdaily.ru\/\u0022 target=\u0022_blank\u0022 \u003Erbcdaily.ru\u003C\/a\u003E \u003C\/p\u003E\r\n\r\n\u003Cp\u003E \u003C\/p\u003E\r\n","DETAIL_TEXT_TYPE":"html","~DETAIL_TEXT_TYPE":"html","PREVIEW_TEXT":"","~PREVIEW_TEXT":"","PREVIEW_TEXT_TYPE":"text","~PREVIEW_TEXT_TYPE":"text","DETAIL_PICTURE":{"ID":"255075","TIMESTAMP_X":"31.01.2015 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