At the conference, "Consumer credit in today's conditions: the risks and fraud, which took place May 24 in Moscow hotel" Marriott ", was put forward very interesting statistics on credit history (the organizer of the conference was BKI" Ekvifaks Credit Services ", according to RBC , the company has 36% market credit histories). Head of the Central Catalogue of Credit Histories Bank of Russia (CCCH) Boris Voronin said that during the period from February 2006 had already gathered the base of the 120 million credit histories. With the caveat: because in Russia there are five major players in this market ("Ekvifaks Credit Services, NBCH, CRB Experian-Interfax, CRB Russian Standard, Eastern CRB), these credit histories are 57 million borrowers. This, he said, "more honest figure. A total of 32 Russian credit bureaus with a tendency to reduce their numbers - because of competition (the banks have become more attentive to the quality of credit histories). These markets, according to Voronin, in all countries tend to be oligopolies, and therefore the presence of Russia competition "Five" - ??the main difference and advantage of our market from abroad. Also, according to the CCCH, in 2006, significantly decreased the average cost of a credit history: now it is somewhere between 5 and 50 rubles. (Before credit costs could reach several hundred dollars). Head CCCH also encouraged lenders increasingly use the services of BCI. Boris Voronin reminded the audience of bankers, the recent scandal involving the scam when the construction company "STC City Cement did not return two dozen banks loans by 441 million rubles. Meanwhile, the credit history of the legal entity clients CRB was available. Voronin also said that current law "On Credit Histories" Ministry of Finance prepared the amendment: it is planned that the credit bureau will be authorized to keep records of the mortgaged property for loans. This will protect in the first place, car buyers in the secondary market (scammers now virtually unhindered resell cars bought on credit, using the absence of a single base in pledge from banks Transport). In turn, the CEO of Credit Services Ekvifaks Oleg Lagutkin noted that Russian banks began to increase its consumer lending. Thus, according to his data, the average loan of natural persons as of May 2010 has increased from 52 thousand rub. to 62 thousand rubles. With regard to delinquency, then, as calculated in "Ekvifakse, every fifth borrower is overdue by 90 days of becoming further malicious defaulters with the delay of 120 days or more. Oleg Lagutkin also voiced some figures on regional statistics (figures in Chechnya, Ingushetia and Dagestan were excluded from the review because there are indicators such as the head "Ekvifaksa" are "extreme" and require a detailed and thorough explanations). For example, of all retail loans in each region in May 2010, to date in the Jewish Autonomous Region is fully paid 58.39% of loans in Moscow - 25.55%, while in Tuva - 19%. However, this does not mean that Moscow or Tyva borrowers worse. This is an absolute figure, not taking into account the range of products offered by banks (credit terms). For bad loans overdue by more than 240 days of the worst things in Buryatia: from May 2010 were 16,7% of overdue loans. Least of all such loans in Kalmykia - 2,22% (recall that this does not take into account the North-Caucasian republics). Chief Product and Marketing "Ekvifaks Credit Services Sergey Kharchenko raised the basic theme of the conference and spoke about innovation in the fight against fraud. Data System Fraud Prevention Service (FPS), supplied by Ekvifaksom "banks, is capable of up to 10 seconds to assess the credit application and determine the degree of risk associated with potential fraud. How it works in very general terms. The bank sends a query to the database FPS, which contains information on credit applications received in the base of the other participating banks. If, for example, a client requested a loan to several banks, or banks gave conflicting identification information, the FPS will warn about the risk of the bank. Total as of May 2010 base FPS was processed about 40 million entries. Now the system used by 11 Russian banks (the leaders of the retail lending), five of which banks are in the top 10. Sergei Kharchenko said that now is also being negotiated with twenty banks of the top 50 for connecting to a system of FPS. Thus, in addition to credit history of the bank proposed an additional tool to check the "reliability" of the borrower. Typical example: if a citizen has lost his passport, had no credit history, it is the FPS will help fix the passport data, appearing in several credit applications. As explained by Serhiy Kharchenko portal Bank.ru, the cost of checking a single application for banks in the FPS is from 2 to 6 rubles. A total of 40 million applications submitted by borrowers from May last year, signs of potential fraud FPS system fixed in 4% of cases. In an interview in the portal Bank.ru head CCCH Boris Voronin expressed the opinion that based FPS, despite all its merits, not enough "circuit challenge."
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