Микрофинансовых заемщиков кредитуют по второму разу

{"ID":"509577","~ID":"509577","TAGS":"","~TAGS":"","NAME":"Микрофинансовых заемщиков кредитуют по второму разу","~NAME":"Микрофинансовых заемщиков кредитуют по второму разу","IBLOCK_ID":"54","~IBLOCK_ID":"54","IBLOCK_SECTION_ID":"4067","~IBLOCK_SECTION_ID":"4067","DETAIL_TEXT":"\u003Cp\u003EМикрофинансовые компании начинают закредитовывать своих клиентов, выдавая им вторые займы при непогашенных первых. Рост числа заемщиков более чем с одним кредитом отмечается и на банковском рынке, но для микрофинансовых организаций такая практика сопряжена с повышенным риском, считают эксперты.\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\r\n\u003C\/p\u003E\u003Cp\u003E\r\nМикрофинансовая компания \u0026quot;Домашние деньги\u0026quot; на этой неделе планирует начать выдачу займов по новой схеме, сообщили \u0026quot;Ъ\u0026quot; в компании. Теперь те клиенты, которые в течение полугода без просрочек выплачивают первый заем, смогут получить и второй, но при условии, что совокупная сумма составит не более 50 тыс. руб. \u0026quot;В результате проведенного исследования выяснилось, что при первой потребности в дополнительных средствах наши клиенты идут в банки или другие МФО, исходя из этого было принято решение выдавать им вторичные параллельные займы\u0026quot;,\u0026mdash; пояснил главный исполнительный директор \u0026quot;Домашних денег\u0026quot; Андрей Бахвалов.\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\r\n\u003C\/p\u003E\u003Cp\u003E\r\nРынок МФО, только недавно зародившийся, уже проявил признаки исчерпания клиентской базы и подобно банковскому рынку ссужает заемщиков по второму кругу. Так, число банковских заемщиков с более чем одним кредитом в апреле этого года впервые превысило число заемщиков лишь с одним кредитом. Банкиры такую политику считают закономерной, ссылаясь на простоту и низкую стоимость выдачи повторного кредита (см. \u0026quot;Ъ\u0026quot; от 17 мая). \u0026quot;Вероятность дефолта при первичной выдаче займа, как правило, вдвое выше, чем при повторной\u0026quot;,\u0026mdash; указывает и господин Бахвалов.\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\r\n\u003C\/p\u003E\u003Cp\u003E\r\nОднако для микрофинансового рынка широкая раздача повторных займов \u0026mdash; гораздо более рискованная практика, чем для банковского, считают эксперты. \u0026quot;При имеющемся непогашенном займе выдача нового может свидетельствовать о наступившей неплатежеспособности заемщика и вести к перекредитовке\u0026quot;,\u0026mdash; отмечает президент УК \u0026quot;Центр микрофинансирования\u0026quot; Павел Сигал. Подход к оценке платежеспособности заемщика в микрофинансовых компаниях может отличаться от банковского, отмечает замдиректора департамента банковского аудита ФБК Роман Кенигсберг. \u0026quot;Своевременные выплаты в течение полугода не всегда означают добропорядочность заемщика, в частности, если заем берется в МФО для погашения кредита в банке, поэтому в данном случае решение о выдаче второго займа принимается, видимо исходя из его \u0026quot;кредитной истории\u0026quot; внутри одной компании\u0026quot;,\u0026mdash; заключает он.\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\r\n\u003C\/p\u003E\u003Cp\u003E\r\nМикрофинансовые организации вынуждены повышать свои риски, считают эксперты. \u0026quot;Конкуренция на рынке МФО обостряется, сейчас на нем официально действуют свыше 1,5 тыс. компаний, хотя легализован рынок МФО был лишь в начале прошлого года. В этих условиях предложение получить второй заем при непогашенном первом будет работать на повышение лояльности клиентов\u0026quot;,\u0026mdash; говорит господин Кенигсберг.\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\r\n\u003C\/p\u003E\u003Cp\u003E\r\nВ \u0026quot;Домашних деньгах\u0026quot; изменение политики выдачи займов связывают не только с выделением сегмента лояльных платежеспособных клиентов, но и с потребностью в увеличении процентных доходов в контексте начала торгов облигациями компании на бирже ММВБ-РТС. Согласно информации на сайте биржи, за первый день торгов было заключено две сделки, средневзвешенная доходность составила 23,39% годовых при заявленных в ходе размещения 19% годовых. Впрочем, инвесторы в облигации \u0026quot;Домашних денег\u0026quot; могут не оценить способ, с помощью которого компания будет повышать свои процентные доходы, считают эксперты. \u0026quot;Если компания не сможет объяснить инвесторам свой риск-менеджмент, они могут посчитать такую политику рискованной, а это приведет к еще большему росту доходности облигаций\u0026quot;,\u0026mdash; говорит гендиректор ЦЭА \u0026quot;Интерфакс\u0026quot; Михаил Матовников.\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\u003EМикрофинансовые компании начинают закредитовывать своих клиентов, выдавая им вторые займы при непогашенных первых. Рост числа заемщиков более чем с одним кредитом отмечается и на банковском рынке, но для микрофинансовых организаций такая практика сопряжена с повышенным риском, считают эксперты.\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\r\n\u003C\/p\u003E\u003Cp\u003E\r\nМикрофинансовая компания \u0026quot;Домашние деньги\u0026quot; на этой неделе планирует начать выдачу займов по новой схеме, сообщили \u0026quot;Ъ\u0026quot; в компании. Теперь те клиенты, которые в течение полугода без просрочек выплачивают первый заем, смогут получить и второй, но при условии, что совокупная сумма составит не более 50 тыс. руб. \u0026quot;В результате проведенного исследования выяснилось, что при первой потребности в дополнительных средствах наши клиенты идут в банки или другие МФО, исходя из этого было принято решение выдавать им вторичные параллельные займы\u0026quot;,\u0026mdash; пояснил главный исполнительный директор \u0026quot;Домашних денег\u0026quot; Андрей Бахвалов.\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\r\n\u003C\/p\u003E\u003Cp\u003E\r\nРынок МФО, только недавно зародившийся, уже проявил признаки исчерпания клиентской базы и подобно банковскому рынку ссужает заемщиков по второму кругу. Так, число банковских заемщиков с более чем одним кредитом в апреле этого года впервые превысило число заемщиков лишь с одним кредитом. Банкиры такую политику считают закономерной, ссылаясь на простоту и низкую стоимость выдачи повторного кредита (см. \u0026quot;Ъ\u0026quot; от 17 мая). \u0026quot;Вероятность дефолта при первичной выдаче займа, как правило, вдвое выше, чем при повторной\u0026quot;,\u0026mdash; указывает и господин Бахвалов.\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\r\n\u003C\/p\u003E\u003Cp\u003E\r\nОднако для микрофинансового рынка широкая раздача повторных займов \u0026mdash; гораздо более рискованная практика, чем для банковского, считают эксперты. \u0026quot;При имеющемся непогашенном займе выдача нового может свидетельствовать о наступившей неплатежеспособности заемщика и вести к перекредитовке\u0026quot;,\u0026mdash; отмечает президент УК \u0026quot;Центр микрофинансирования\u0026quot; Павел Сигал. Подход к оценке платежеспособности заемщика в микрофинансовых компаниях может отличаться от банковского, отмечает замдиректора департамента банковского аудита ФБК Роман Кенигсберг. \u0026quot;Своевременные выплаты в течение полугода не всегда означают добропорядочность заемщика, в частности, если заем берется в МФО для погашения кредита в банке, поэтому в данном случае решение о выдаче второго займа принимается, видимо исходя из его \u0026quot;кредитной истории\u0026quot; внутри одной компании\u0026quot;,\u0026mdash; заключает он.\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\r\n\u003C\/p\u003E\u003Cp\u003E\r\nМикрофинансовые организации вынуждены повышать свои риски, считают эксперты. \u0026quot;Конкуренция на рынке МФО обостряется, сейчас на нем официально действуют свыше 1,5 тыс. компаний, хотя легализован рынок МФО был лишь в начале прошлого года. В этих условиях предложение получить второй заем при непогашенном первом будет работать на повышение лояльности клиентов\u0026quot;,\u0026mdash; говорит господин Кенигсберг.\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\r\n\u003C\/p\u003E\u003Cp\u003E\r\nВ \u0026quot;Домашних деньгах\u0026quot; изменение политики выдачи займов связывают не только с выделением сегмента лояльных платежеспособных клиентов, но и с потребностью в увеличении процентных доходов в контексте начала торгов облигациями компании на бирже ММВБ-РТС. Согласно информации на сайте биржи, за первый день торгов было заключено две сделки, средневзвешенная доходность составила 23,39% годовых при заявленных в ходе размещения 19% годовых. Впрочем, инвесторы в облигации \u0026quot;Домашних денег\u0026quot; могут не оценить способ, с помощью которого компания будет повышать свои процентные доходы, считают эксперты. \u0026quot;Если компания не сможет объяснить инвесторам свой риск-менеджмент, они могут посчитать такую политику рискованной, а это приведет к еще большему росту доходности облигаций\u0026quot;,\u0026mdash; говорит гендиректор ЦЭА \u0026quot;Интерфакс\u0026quot; Михаил Матовников.\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":"261886","TIMESTAMP_X":"31.01.2015 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