Заемщиков потянуло на просрочку

{"ID":"509575","~ID":"509575","TAGS":"","~TAGS":"","NAME":"Заемщиков потянуло на просрочку","~NAME":"Заемщиков потянуло на просрочку","IBLOCK_ID":"54","~IBLOCK_ID":"54","IBLOCK_SECTION_ID":"4067","~IBLOCK_SECTION_ID":"4067","DETAIL_TEXT":"\u003Cp\u003EБолее половины всех банковских кредитов приходится на ссуды до 30 тыс. руб., причем у самых мелких кредитов, как и самых крупных, самая низкая доля просроченных. По мере выхода из кризиса растет спрос на кредиты объемом 30-100 тыс. руб., однако качество их обслуживания пока не повышается.\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\r\n\u003C\/p\u003E\u003Cp\u003E\r\nВ распоряжении \u0026quot;Ъ\u0026quot; оказались данные анализа одного из крупнейших бюро кредитных историй \u0026mdash; НБКИ (более 35% всех накопленных данных о кредитных историях в России, совместно с \u0026quot;Эквифакс Кредит Сервисиз\u0026quot; аккумулирует данные о кредитных историях более 80% российских заемщиков). НБКИ проанализировало данные примерно о 80 млн кредитов, которые содержатся в его базе. Самыми распространенными оказались мелкие ссуды \u0026mdash; более 50% (по базе НБКИ) банковских кредитов выдано на суммы до 30 тыс. руб. Еще 25% приходится на ссуды от 30 тыс. до 100 тыс. руб., 17% \u0026mdash; на ссуды объемом 100-500 тыс. руб. На суммы свыше 500 тыс. руб. приходится не более 5% всех выданных кредитов.\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\r\n\u003C\/p\u003E\u003Cp\u003E\r\nПо словам гендиректора БКИ \u0026quot;Эквифакс Кредит Сервисиз\u0026quot; Олега Лагуткина, данные НБКИ, скорее всего, отражают реальную структуру кредитного портфеля с точки зрения длины ссуд. \u0026quot;Особенно сильно число мелких ссуд выросло в 2009-2010 годы, когда практически единственным активно растущим видом розничного кредитования было экспресс-кредитование на приобретение товаров в торговых сетях (POS-кредитование), а там средняя сумма как раз укладывается в диапазон 30 тыс. руб.\u0026quot;,\u0026mdash; поясняет Олег Лагуткин. Согласно статистике ЦБ, за 2009-2010 годы кредитование банками физлиц в целом выросло всего на 1,68%, до 4,084 трлн руб. По данным Frank Research Group, за тот же период POS-кредитование выросло на 8,4%.\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\r\n\u003C\/p\u003E\u003Cp\u003E\r\nПри этом, как показывает статистика НБКИ, самые мелкие (до 30 тыс. руб.) и самые крупные кредиты (свыше 500 тыс. руб.) обладают самым высоким качеством. Так, по данным бюро, в категории кредитов до 30 тыс. руб. доля долгов с просрочкой более 30 дней составляет 4,3%, по кредитам свыше 500 тыс. руб.\u0026mdash; 3,9%. Качество кредитов от 30 тыс. до 100 тыс. руб. существенно ниже. Доля кредитов этой категории, просроченных более чем на 30 дней, составляет 5,95%, в сегменте кредитов от 100 тыс. до 500 тыс. руб.\u0026mdash; 5,38%. \u0026quot;При кредите до 30 тыс. руб. сумма ежемесячных платежей невелика (если исходить из срока кредита один год \u0026mdash; максимум 3-4 тыс. руб. в месяц при максимальной сумме кредита с учетом рыночных ставок.\u0026mdash; \u0026quot;Ъ\u0026quot;), это вполне приемлемая сумма практически для всех категорий заемщиков,\u0026mdash; поясняет зампред правления банка \u0026quot;Уралсиб\u0026quot; Илья Филатов.\u0026mdash; Поэтому проблем с погашением таких долгов, если они изначально не были взяты в мошеннических целях, не возникает\u0026quot;. В случае крупных ссуд проводится более тщательная проверка заемщика, к тому же существенная часть кредитов на сумму более 500 тыс. руб.\u0026mdash; залоговые ссуды (автокредиты или ипотека), что является дополнительной гарантией возврата, добавляет он.\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\r\n\u003C\/p\u003E\u003Cp\u003E\r\nВпрочем, исходя из статистики бюро кредитных историй, в настоящее время наибольшими темпами растет как раз самая рискованная категория розничных кредитов \u0026mdash; от 30 тыс. до 100 тыс. руб. По словам гендиректора НБКИ Александра Викулина, за первый квартал текущего года опережающие другие категории темпы роста (на 24%) наблюдались в сегменте кредитных карт, а средняя сумма задолженности по таким ссудам \u0026mdash; около 50 тыс. руб. \u0026quot;Сейчас заемщики готовы брать на себя более высокие кредитные обязательства, чем два-три года назад, а банки все активнее предлагают кредитные карточки, так как это долгосрочный продукт\u0026quot;,\u0026mdash; поясняет Олег Лагуткин.\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\r\n\u003C\/p\u003E\u003Cp\u003E\r\nИсточник: \u003Ca href=\u0022http:\/\/www.kommersant.ru\/\u0022 target=\u0022_blank\u0022 \u003Ehttp:\/\/www.kommersant.ru\/\u003C\/a\u003E\u003C\/p\u003E","~DETAIL_TEXT":"\u003Cp\u003EБолее половины всех банковских кредитов приходится на ссуды до 30 тыс. руб., причем у самых мелких кредитов, как и самых крупных, самая низкая доля просроченных. По мере выхода из кризиса растет спрос на кредиты объемом 30-100 тыс. руб., однако качество их обслуживания пока не повышается.\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\r\n\u003C\/p\u003E\u003Cp\u003E\r\nВ распоряжении \u0026quot;Ъ\u0026quot; оказались данные анализа одного из крупнейших бюро кредитных историй \u0026mdash; НБКИ (более 35% всех накопленных данных о кредитных историях в России, совместно с \u0026quot;Эквифакс Кредит Сервисиз\u0026quot; аккумулирует данные о кредитных историях более 80% российских заемщиков). НБКИ проанализировало данные примерно о 80 млн кредитов, которые содержатся в его базе. Самыми распространенными оказались мелкие ссуды \u0026mdash; более 50% (по базе НБКИ) банковских кредитов выдано на суммы до 30 тыс. руб. Еще 25% приходится на ссуды от 30 тыс. до 100 тыс. руб., 17% \u0026mdash; на ссуды объемом 100-500 тыс. руб. На суммы свыше 500 тыс. руб. приходится не более 5% всех выданных кредитов.\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\r\n\u003C\/p\u003E\u003Cp\u003E\r\nПо словам гендиректора БКИ \u0026quot;Эквифакс Кредит Сервисиз\u0026quot; Олега Лагуткина, данные НБКИ, скорее всего, отражают реальную структуру кредитного портфеля с точки зрения длины ссуд. \u0026quot;Особенно сильно число мелких ссуд выросло в 2009-2010 годы, когда практически единственным активно растущим видом розничного кредитования было экспресс-кредитование на приобретение товаров в торговых сетях (POS-кредитование), а там средняя сумма как раз укладывается в диапазон 30 тыс. руб.\u0026quot;,\u0026mdash; поясняет Олег Лагуткин. Согласно статистике ЦБ, за 2009-2010 годы кредитование банками физлиц в целом выросло всего на 1,68%, до 4,084 трлн руб. По данным Frank Research Group, за тот же период POS-кредитование выросло на 8,4%.\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\r\n\u003C\/p\u003E\u003Cp\u003E\r\nПри этом, как показывает статистика НБКИ, самые мелкие (до 30 тыс. руб.) и самые крупные кредиты (свыше 500 тыс. руб.) обладают самым высоким качеством. Так, по данным бюро, в категории кредитов до 30 тыс. руб. доля долгов с просрочкой более 30 дней составляет 4,3%, по кредитам свыше 500 тыс. руб.\u0026mdash; 3,9%. Качество кредитов от 30 тыс. до 100 тыс. руб. существенно ниже. Доля кредитов этой категории, просроченных более чем на 30 дней, составляет 5,95%, в сегменте кредитов от 100 тыс. до 500 тыс. руб.\u0026mdash; 5,38%. \u0026quot;При кредите до 30 тыс. руб. сумма ежемесячных платежей невелика (если исходить из срока кредита один год \u0026mdash; максимум 3-4 тыс. руб. в месяц при максимальной сумме кредита с учетом рыночных ставок.\u0026mdash; \u0026quot;Ъ\u0026quot;), это вполне приемлемая сумма практически для всех категорий заемщиков,\u0026mdash; поясняет зампред правления банка \u0026quot;Уралсиб\u0026quot; Илья Филатов.\u0026mdash; Поэтому проблем с погашением таких долгов, если они изначально не были взяты в мошеннических целях, не возникает\u0026quot;. В случае крупных ссуд проводится более тщательная проверка заемщика, к тому же существенная часть кредитов на сумму более 500 тыс. руб.\u0026mdash; залоговые ссуды (автокредиты или ипотека), что является дополнительной гарантией возврата, добавляет он.\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\r\n\u003C\/p\u003E\u003Cp\u003E\r\nВпрочем, исходя из статистики бюро кредитных историй, в настоящее время наибольшими темпами растет как раз самая рискованная категория розничных кредитов \u0026mdash; от 30 тыс. до 100 тыс. руб. По словам гендиректора НБКИ Александра Викулина, за первый квартал текущего года опережающие другие категории темпы роста (на 24%) наблюдались в сегменте кредитных карт, а средняя сумма задолженности по таким ссудам \u0026mdash; около 50 тыс. руб. \u0026quot;Сейчас заемщики готовы брать на себя более высокие кредитные обязательства, чем два-три года назад, а банки все активнее предлагают кредитные карточки, так как это долгосрочный продукт\u0026quot;,\u0026mdash; поясняет Олег Лагуткин.\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\r\n\u003C\/p\u003E\u003Cp\u003E\r\nИсточник: \u003Ca href=\u0022http:\/\/www.kommersant.ru\/\u0022 target=\u0022_blank\u0022 \u003Ehttp:\/\/www.kommersant.ru\/\u003C\/a\u003E\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":"261884","TIMESTAMP_X":"31.01.2015 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