The market of credit was opened fully

Last captive player in the credit bureau - BCI "Russian Standard" refuse from a closed business model. Until now the main source of information BKI had data on borrowers of the parent bank "Russian Standard", but from the middle of this year it will begin to receive information from a dozen other banks. About this newspaper writes "Kommersant" on Thursday, May 5. The fact that the credit bureau of Russian Standard Bank launches a massive scale to bring the history of the borrowers of other banks, the newspaper was told by market participants. The bureau confirmed this information, noting that the tentative agreements already reached with ten banks, including a major. The list of potential partners CRB does not reveal. The practical transfer of information from banks is expected to begin from mid-year, said a representative of BCI, "Russian Standard". CRB Russian Standard was founded in 2005 as a captive of the same name of the bank offices. The first two years BCH absolutely did not cooperate with other banks, but from 2007 began to sell them credit history. At present the database contains information on the CRB credit histories more than 6 million borrowers, individuals, almost all of them are borrowers of Russian Standard Bank, to collect information on borrowers of other banks BCI has only recently beginning in pilot mode. According to the "RBK.research" at the end of 2010, the aggregate data base credit bureaus contained information on 55 million borrowers and 95 million credits. The five leaders in terms of historical data on credit history includes: "Ekvifaks Credit Services" (market share - 36%), NBCH (35%), CRB Experian-Interfax (22%), BCI "Russian Standard" (5% ), East BCH (2%). "Russian Standard" was the last player in the captive market of BCI. Until 2009, the captive model adhered to and a subsidiary office of the Savings Bank - Infokredit, but after the merger with BCH Experian-Interfax, it has become fully open to the market. According to CEO Alexander NBCH Vikulina, credit bureaus who hold captive business models are not competitive in the market, because the purpose of their creation is simply to prevent third-party players to information about the borrowers of the parent bank. "However, if the bureau claims the major share of the market, non-captive model is inevitable" - indicates Mr. Vikulin. "Desire players BCI to expand the range of services is justified", - said director general of the National Credit Bureau Vladimir Maleev. "The transmission of information about their borrowers BCI" Russian Standard "can be beneficial to banks, because they can get credit histories of the same name of the bank at a lower price, this is standard practice" - indicates the director of risk management HCF-Bank Elena Ladygina. However, to provide the Bureau of the Russian Standard "the history of their borrowers has meaning only those banks whose customer base is similar to the base of Russian Standard Bank," she adds. "The decisive point in choosing a credit bureau are conditions that it is able to offer banks - says the director of management assessment and risk methodology OTP Bank Sergei Kapustin .- Co-operation with their credit bureau may be of interest to us only if the bureau could make us an offer we can not refuse. "