Collectors rid the country of debtors

Despite the fact that the collection market in Russia is relatively young, the results of its work is already impressive. Banks are increasingly turning for help to the collectors, in a short time can do it, and regulators, so that the worst defaulters have something to fear. About the same as this market will evolve in the new millennium, what legislative initiatives should be taken in it, and what you should not expect, was discussed at a recent conference "Market of collection services in Russia. 6 years of the market - 6 years of Sequoia Credit Consolidation, organized by Sequoia. We are ready to talk about the problems of collection market and how to build effective communication - has taken the introductory remarks, the Director of Sequoia Credit Consolidation Elena Dokuchaev. On the market today presented 970 collection agencies, but only 20 of them are members of the NAPC, she noted the official data. According to her, Russian collectors, are on completely different rules, their work is quite different from the measures taken by European standards, rather it is much more complicated. There are several reasons. First, the domestic collection market still quite young. He is only by virtue of 6 years, whereas in developed countries, the age of individual companies can reach 100 years. Another reason - a relatively small number of appeals. Typically, customers are collectors banks, but even they have made to them by only about 1% of problem customers. In addition, for the Russian credit organizations when choosing the collection agency a fundamental factor is the cost of services, although in the West, primarily oriented toward efficiency. Another distinguishing feature is that in Russia, the lender accepts payments, and not a collector. Moreover, the time for decision making in our country is much shorter, and in connection with the postponement of the crisis of the debtor only increased. So, if earlier, on average borrower indebtedness extinguished within 3-4 months, but now it takes 6-9 months. Plus, banks often provide enough detailed information to assess the situation, there is no support from the government and the law that would regulate collection activities, and none at all. About what legislative adjustments will be made in this area, said Vice-President of Association "Russia" Oleg Ivanov. As it turned out, only a few days ago was released bank's development strategy until 2015 in it even exists sverhideya, syroniziroval Ivanov, lenders will follow an intensive development path. However, the bad side of this strategy is that it is again no mention of the collection agencies. Meanwhile, in his opinion, to circumvent this issue can not be a party, because collectors - not only the organization, collect the arrears, this is a kind of consultants, and sources of financial literacy. In addition to them, nobody can objectively evaluate such a portfolio. In 2010, banks have filed nearly 1 million claims on debtors. Increased and the proportion of borrowers who file such claims on banks. So, if in 2008, dissatisfied with credit organizations was only 12 thousand people in 2009 - already 25 thousand, and in 2010 - and at 50 thousand Much would help resolve the well-designed laws, he said, but those are practically no. For example, the draft law "On consumer crediting" carries a continuous uncertainty and does not protect any rights of borrowers, not the interests of banks. True, the special hopes Oleg Ivanov expressed in preparing the Law on Mediation. " According to him, the dispute between the lender and the borrower will allow third independent person, to which can also be attributed and collectors. Did not agree with Ivanov, vice president of the Association of Russian Banks Andrei Emelin, who said that the introduction of amendments to the law of sewers, absolutely nothing will change. This is not a guarantee of success, said Emelin. As for the law "On consumer credit", he really needs some adjustments, but still has a good foundation. But the law on mediation, "according to Emelina, and is not needed. Firstly, it is so complicated that it would not clear the borrower, and, secondly, to date, already there are enough of such institutions. As an example he cited the financial apparatus of the Ombudsman, which enjoys a special parity among banks. About what the bank's management in selecting the collection agency, told Alla G. Woodson, director of operations support business «GE Money Bank». Special role in this matter she took performance penalties and how to work with non-payers. "As a rule, our bank is working together with 2-3 collection agencies, and one of them must be a new partner", - she admitted. Over 80% of debt we can handle on their own, often sold as the most complex portfolios pay collection agencies. Usually it is debts that are at least 6 months. Moreover, they are mostly older than 12 months, -