Salvation "fat cats"
In 2014, the government spent on bailing out banks is much more than the payments to depositors of the bankrupt, who withdrew the license, "Vedomosti", summing up the year. The central bank has spent on rehabilitation of the bank 262.2 billion rubles - the same amount he singled out the Deposit Insurance Agency (DIA) to save the 12 banks. Revocation of licenses bankrupt cost the state less: to compensation affected investors 57 banks DIA spent considerably less - about 164.3 billion rubles.
The most expensive in the current year was the operation to rescue sanitation bank "Trust", famous for its advertising with a "hard nut to crack," starring Bruce Willis. For everything needed 130 billion rubles. In scale reorganization "Trust" became the second after the reorganization in 2011, the Bank of Moscow, where in order to maintain the credit institution afloat was allocated 295 billion rubles.
B 117 billion bank bailout cost Central Bank Andrzej Malczewski - MOSOBLBANK, Inresbanka and "Finance Business Bank."
Meanwhile, the "rehabilitation" of citizens who have fallen into debt bondage due to the artificial financial crisis, arranged by the authorities, and no one thinks. According to the forecasts of the "civilized" Russian collection agency, "Sequoia Credit Consolidation," in 2014 the level of non-performing loans Russians will record growth (58.5%). In total, over the past five years the growth rate increased delay in 18 (!) Times. A total outstanding debt of citizens to banks reached 698 billion rubles. Debt grows mainly in the consumer unsecured lending: it is cash loans, credit cards and express loans for the purchase of goods in shops.
"We expect that the amount of debt on bank loans granted to individuals will rise another 45-50%, with most of this growth will take longer for the first quarter of 2015" - predicts the president of "Sequoia Credit Consolidation" Elena Dokuchaev.
The main reason for overdue loans has been a sharp decline in real incomes, due to the devaluation of the ruble. According to analysts' estimates, the Russians in December, lost an average of $ 220 in purchasing power of their wages, or about 12 thousand. In rubles. The real incomes of people falling, and the money they now need to purchase essential goods - there can be no repayment.
In many respects, the cause of "bad debts" and became general zakreditovannost population, which was formed because of the greed of these same bankers, let's citizens to ten credits in one hand. As a result, if we divide the eleven-plus trillion of loans granted to the entire population of the country, it turns out that now every Russian banks should be an average of 76.9 thousand. Rubles, while in the last five years of the loan burden on citizens grew almost three times .
The most important thing is that next year will be almost debtors are unable to refinance to refinance its debt new loans on more favorable terms. Primarily, this is due to the recent increase in the Central Bank of its key rate to 17% per annum, after which almost came the collapse in the domestic credit market. Many banks have stopped issuing loans to individuals. However, even if the debtor will be able to take them, getting a new loan at a significantly higher percentage will not solve the problem of reducing the monthly credit load.
Only the rich will become bankrupt
Against this background, on December 19 the State Duma adopted a long-suffering citizens of the bankruptcy law, which takes effect July 1, 2015. Earlier it was planned that the Russians will be able to declare bankruptcy only in 2016, but broke in the financial crisis. Will the new law Russians settle with the banks, and how quickly it will be operational? About this "joint venture" asked the Russian banking ombudsman Pavel Medvedev.
- Firstly, the urgent need to postpone the beginning of this law at an earlier date, at least - February 1 next year. Because these six months for borrowers who have scored the debt will be very difficult. As you know, on December 1, arrears rose more than half - this is only according to official statistics. In fact, "bad debts" of the banks is much greater and it is not because the statistics lie, but because it is designed poorly. In order to assess the extent of arrears, you can compare its volume even according to official statistics - about about 670 billion rubles, an increase lending from January to the middle of this year, and it appears that they are almost equal. It turns out that all the money given to citizens for six months, fell into arrears. Of course, the comparison of purely macroeconomic, actually it is not, but it looks quite disturbing.
"SP": - And what do you say on the content of the law, how it will be effective?
- In principle, I like the law, however, called it unfortunate, because a significant portion of the law is devoted not to the bankruptcy of citizens, in the classic sense of the word, and the restructuring of their debt to the banks. That is, the borrower, who was in a difficult position, shall prepare a new plan service their loans, and submit it to the court. If the judge approves the plan, it will service the loans in a new way. After all, banks are interested to return the money to settle its own debts.
"SP": - That is not to say that the entry into force of this law, all the problems of banks and borrowers will be solved?
- It is impossible. Sprinyatiem this law, a new problem, which reflects its kind of cynicism. The fact that this law applies only to those debtors whose debts to banks reached 500 thousand. Rubles and more. They are the law, in my opinion, be able to help. But what about the citizens who have less debt, and that most, because wages in Russia are small, and loans, respectively, too small. It turns out these people the law, as it says, my dear, wait a bit when the penalties for arrears clocked up to 500 thousand. Rubles, then I'll help you. This cynicism.
"SP": - I remember the first reading of the law it was about 50 thousand. Rubles. Why is now set such a high standard?
- Why can not help people who have debt below 500 thousand. Rubles? Because the law under which they would come - the financial authorized, adopted on first reading and has long been lying under the cloth in the State Duma. Deputies should immediately this law from the cloth to remove and take. My assistants and I have prepared amendments for the second reading, they have already been approved by the Central Bank. And these two laws do not need to enter in the second half of next year, and in February.
"SP": - While deputies will take another law that makes the most of borrowers who owe the banks less than 500 thousand. Rubles, for refinancing in the current situation they can not?
- It is necessary to remember that in our country there is the parliament, and go to his deputy of the State Duma, to his representative in the Federation Council, and tell them that immediately need a law on the financial authorized, otherwise the financial discipline in the country could be jeopardized. This does not benefit anyone - neither the bankers nor the borrowers nor the Russian economy.
Oleg Gladunov
Source: svpressa.ru
In 2014, the government spent on bailing out banks is much more than the payments to depositors of the bankrupt, who withdrew the license, "Vedomosti", summing up the year. The central bank has spent on rehabilitation of the bank 262.2 billion rubles - the same amount he singled out the Deposit Insurance Agency (DIA) to save the 12 banks. Revocation of licenses bankrupt cost the state less: to compensation affected investors 57 banks DIA spent considerably less - about 164.3 billion rubles.
The most expensive in the current year was the operation to rescue sanitation bank "Trust", famous for its advertising with a "hard nut to crack," starring Bruce Willis. For everything needed 130 billion rubles. In scale reorganization "Trust" became the second after the reorganization in 2011, the Bank of Moscow, where in order to maintain the credit institution afloat was allocated 295 billion rubles.
B 117 billion bank bailout cost Central Bank Andrzej Malczewski - MOSOBLBANK, Inresbanka and "Finance Business Bank."
Meanwhile, the "rehabilitation" of citizens who have fallen into debt bondage due to the artificial financial crisis, arranged by the authorities, and no one thinks. According to the forecasts of the "civilized" Russian collection agency, "Sequoia Credit Consolidation," in 2014 the level of non-performing loans Russians will record growth (58.5%). In total, over the past five years the growth rate increased delay in 18 (!) Times. A total outstanding debt of citizens to banks reached 698 billion rubles. Debt grows mainly in the consumer unsecured lending: it is cash loans, credit cards and express loans for the purchase of goods in shops.
"We expect that the amount of debt on bank loans granted to individuals will rise another 45-50%, with most of this growth will take longer for the first quarter of 2015" - predicts the president of "Sequoia Credit Consolidation" Elena Dokuchaev.
The main reason for overdue loans has been a sharp decline in real incomes, due to the devaluation of the ruble. According to analysts' estimates, the Russians in December, lost an average of $ 220 in purchasing power of their wages, or about 12 thousand. In rubles. The real incomes of people falling, and the money they now need to purchase essential goods - there can be no repayment.
In many respects, the cause of "bad debts" and became general zakreditovannost population, which was formed because of the greed of these same bankers, let's citizens to ten credits in one hand. As a result, if we divide the eleven-plus trillion of loans granted to the entire population of the country, it turns out that now every Russian banks should be an average of 76.9 thousand. Rubles, while in the last five years of the loan burden on citizens grew almost three times .
The most important thing is that next year will be almost debtors are unable to refinance to refinance its debt new loans on more favorable terms. Primarily, this is due to the recent increase in the Central Bank of its key rate to 17% per annum, after which almost came the collapse in the domestic credit market. Many banks have stopped issuing loans to individuals. However, even if the debtor will be able to take them, getting a new loan at a significantly higher percentage will not solve the problem of reducing the monthly credit load.
Only the rich will become bankrupt
Against this background, on December 19 the State Duma adopted a long-suffering citizens of the bankruptcy law, which takes effect July 1, 2015. Earlier it was planned that the Russians will be able to declare bankruptcy only in 2016, but broke in the financial crisis. Will the new law Russians settle with the banks, and how quickly it will be operational? About this "joint venture" asked the Russian banking ombudsman Pavel Medvedev.
- Firstly, the urgent need to postpone the beginning of this law at an earlier date, at least - February 1 next year. Because these six months for borrowers who have scored the debt will be very difficult. As you know, on December 1, arrears rose more than half - this is only according to official statistics. In fact, "bad debts" of the banks is much greater and it is not because the statistics lie, but because it is designed poorly. In order to assess the extent of arrears, you can compare its volume even according to official statistics - about about 670 billion rubles, an increase lending from January to the middle of this year, and it appears that they are almost equal. It turns out that all the money given to citizens for six months, fell into arrears. Of course, the comparison of purely macroeconomic, actually it is not, but it looks quite disturbing.
"SP": - And what do you say on the content of the law, how it will be effective?
- In principle, I like the law, however, called it unfortunate, because a significant portion of the law is devoted not to the bankruptcy of citizens, in the classic sense of the word, and the restructuring of their debt to the banks. That is, the borrower, who was in a difficult position, shall prepare a new plan service their loans, and submit it to the court. If the judge approves the plan, it will service the loans in a new way. After all, banks are interested to return the money to settle its own debts.
"SP": - That is not to say that the entry into force of this law, all the problems of banks and borrowers will be solved?
- It is impossible. Sprinyatiem this law, a new problem, which reflects its kind of cynicism. The fact that this law applies only to those debtors whose debts to banks reached 500 thousand. Rubles and more. They are the law, in my opinion, be able to help. But what about the citizens who have less debt, and that most, because wages in Russia are small, and loans, respectively, too small. It turns out these people the law, as it says, my dear, wait a bit when the penalties for arrears clocked up to 500 thousand. Rubles, then I'll help you. This cynicism.
"SP": - I remember the first reading of the law it was about 50 thousand. Rubles. Why is now set such a high standard?
- Why can not help people who have debt below 500 thousand. Rubles? Because the law under which they would come - the financial authorized, adopted on first reading and has long been lying under the cloth in the State Duma. Deputies should immediately this law from the cloth to remove and take. My assistants and I have prepared amendments for the second reading, they have already been approved by the Central Bank. And these two laws do not need to enter in the second half of next year, and in February.
"SP": - While deputies will take another law that makes the most of borrowers who owe the banks less than 500 thousand. Rubles, for refinancing in the current situation they can not?
- It is necessary to remember that in our country there is the parliament, and go to his deputy of the State Duma, to his representative in the Federation Council, and tell them that immediately need a law on the financial authorized, otherwise the financial discipline in the country could be jeopardized. This does not benefit anyone - neither the bankers nor the borrowers nor the Russian economy.
Oleg Gladunov
Source: svpressa.ru
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