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News Overview credit market in the past week, from 6 to 12 October
head of the largest party credit market - Sberbank - German Gref told RIA Novosti: "We lifted our business plan figures for the volume of lending, making - as a priority - security and guarantee of return given us credit. " According to the head, "the crisis is systemic and protracted" and the bank must be ready "to work in the new reality." Commenting on the statement, economist of Bank Trust Yevgeny Nadorshin expressed the view that such measures Sberbank is a testament to "the recognition of the magnitude of the financial problems of Russian companies and the economy as a whole".
While some banks increased the cost of credit Others are forced not to abandon the long-term lending. Messages to reduce the number of banks, working with a mortgage, come from all over Russia. Thus, already stopped the issuance of mortgage loans, many banks Novosibirsk region. To revive the mortgage, local authorities are discussing the allocation of funds from the regional budget to increase the authorized capital of Novosibirsk Oblast agency mortgage lending (NOAIK). This will give banks more opportunities for refinancing loans, and therefore - and for the new.
Those players who have not yet abandoned the mortgage lending, have become very strict selection of customers. For example, in Primorye, now receive the denial of credit almost 90% of potential borrowers. The company president League of loan brokers Primorye Alexander Ivashkin. According to his figures, earlier this figure does not exceed 50%. As a result, brokers have become increasingly recommend that customers who need consumer credit, financing through leasing companies and credit cooperatives.
There are more serious tones. In particular, bank "Soyuz", stopped the issuance of general credit. Gulzhan Moldazhanova, general director of the holding company "Basic Element" (which includes bank "Soyuz"), noted that the question of bank failure is not because the holding company has provided all necessary means to fulfill obligations to contractors and investors. Moldanova also expressed confidence in resuming normal operations after the Bank of normalizing the situation in the financial sphere. The newspaper Vedomosti on this matter noted that the Soyuz was the first bank to officially announced the suspension of the issuance of all loans.
Against the backdrop of the news seems quite plausible forecast Ilya Zibareva - head of "Mortgages "Alfa Bank - a further drawdown of Russian banks of their mortgage programs because of lack of money. If it goes on, then soon, several state-owned banks, along with the federal Agency for Mortgage Lending (AHML) will remain de facto monopoly in the market.
Alarming economic news is traditionally Russian make investors think about the withdrawal of their money from bank deposits "just in case." Since povalnoe removal of the population from the banking system greatly exacerbate the situation in the banking system, the government is trying every way to avoid such a development. Last week, the State Duma approved amendments to the bill on insurance of individual deposits in banks of the Russian Federation "which include raising the maximum insurance on deposits up to 700 000 rubles. At the same time, experts say the inefficiency of these measures to prevent the outflow of money from deposits, in particular - with a major. Insurers while expressing doubts about the adequacy of resources from the Deposit Insurance Agency (ASV) to ensure the necessary payments - the amount of people to be insured, now exceeding 6 trillion rubles.
Last week the troubled feeling and investors, invest to invest in securities of Russian companies. On Monday, followed by Europe and Asia, fell again quotes on domestic stock exchanges. And if, for example, the Japanese stock market on the basis of tenders lost 4%, European stock indexes fell about 7%, the Russian stock market in one day lost about 20%. Bidding has repeatedly suspended, hoping to stop panic. Fuel to the fire cowardly record decline in oil prices, exports from which to a large extent the country's GDP.
It has the usual news of massive violations identified in the banks of the population came from Kostroma. The local prosecutor's office said that on the basis of audit 12 banks, non-compliance with the law have been found completely from all organizations, regardless of their form of ownership. All violations associated with lending to individuals and the deployment of citizens' deposits. The most frequent cases of borrowers incomplete information on credit terms and availability of contracts unforeseen legal settlements. According to the audit initiated 13 administrative cases and made 30 submissions.
In conclusion - these poll of Russians regarding the prevalence of consumer credit. According to analysts holding "Romir, the Russians enjoyed the services of credit already willingly. Great demand exists on the size of 5 000 to 15 000 rubles, while the most common lending - buying mobile phones and home appliances. The most active "credited" citizens aged 25 to 44 years. The highest percentage of citizens who use the services of consumer lending, noted in the Siberian Federal District (54% of all respondents). However, seen in recent weeks, negative trends in the market for retail lending can slightly change the attitude to credit and markedly reduce the number of borrowers. Let's wait for the next polls.