What do bankers and other market participants on the hottest events of the economy that occurred in a week? On the sewers and utility services may be in the near future collection agencies will specialize in municipal debt. This was announced at a press conference of collectors and representatives of the bank president NAPCA (National Agency for Financial Studies), Alexander Morozov. According to him, the collectors have such an interest. And the market has to: more and more into it come private management companies. Olga Medvedev, Director of Business Development Civil FASC (collection agency): Already, the trend of specialization of some collection agencies on municipal debt. However, according to forecasts of the Group of Companies FASC, the debts of the population in housing will continue to grow, including in connection with an increase in utility rates. In our experience, we know that there are different categories of debtors. For example, among the defaulters are people with high incomes who live in luxury homes, but have a low payment discipline. There is also disagree with the assessment amounts for services. Such debtors begin to pay when collectors not only advise the debtors of utility tariffs and the amounts assessed, but also explain to them the consequences of nonpayment for services rendered. Anna Anokhin, Head of Credit Control Rosavtobanka: I think that now the procedure of resettlement defaulters in apartments smaller area is more than merely declaratory. Involvement of the same collectors will make people more responsible approach to the issue of payment of utilities. Probably, the collectors will not be involved in the case of one-time delays (forgetful man, the temporary absence of a unit or force majeure), and for multiple non-payments and the accumulation of debt to a certain level. I think that this responsibility will be to encourage people to pay for utility services. Besides, is not always non-payers - the poor people who can not afford to pay the utility bills. Very often there are also irresponsible and just person. Lending to the shops Banks started to lend to the online stores. This trend has been traced after the commercial networks have increased the requirements for partner banks. Andrei Khromov, chairman of the board of directors of Internet superstore Dostavka.ru: We thoroughly investigated this matter and yet little reason for the active development lending in the shops do not see. This is not the most convenient and efficient option for either clients or for themselves shops. Reasons for a few: First, when buying from an online store influence the seller to the buyer's minimum, respectively, and offer avail a loan more difficult. Even if the client is potentially willing to lend, online all the forms he must fill out on their own, as is well known, Internet users do not like to do it. Another very difficult moment: the formal credit agreement when buying from an online store is at the moment of delivery. That is, the controller serves carrier, which is not always easy to work out the exact design skills of credit purchases. Besides, now significantly simplified the situation with a credit card allows you to purchase goods in installments for 10-12 months without any additional agreements. And the interest that the bank takes over plastic, often less than the consumer. The growth of debt owed to banks Financial Ombudsman Pavel Medvedev said that in 2011 growth is expected late payments, by contrast, will take even longer. Collectors will be easier, because the banks have started to appear good borrowers, and lending institutions themselves do not give money to anybody. Irina Poddubnaya, Deputy Director, Business Development Director of Sequoia Credit Consolidation: After the crisis, banks have significantly reduced their lending, the situation is really starting to recover. Financial situation of the population becomes more stable, renewed interest loans. According to our estimates, the volume of lending in the next year could grow by around 15%, while the level of arrears in 2011 will not exceed 10%. In times of crisis and rising defaults banks have made changes in credit policy tightening rules for issuing loans and are now trying to work with more reliable borrowers. Magomed Magomedov, Advisor to the Chairman of the Board Bank for Development-Capital: Large loans were given for the medium and long term. Soon comes the maturity of the medium-term loans to the crisis. I think at current levels of liquidity in banks, restructuring of the "good" debt will not be difficult, but there can be bursts of growth of overdue debts in bankruptcy or a major developer of retail companies. According to my projections in the summer of 2011 may be significant fluctuations in the financial sustainability of the large companies that can also affect the entire financial market. On the sale of new buildings International Agency for Gordon Rock has made a rating of world records in the rate of sales of new buildings. Among the champions were Israel, Britain, France and Russia. And, according to the agency, this year's leader in the sale of new buildings in Moscow and St. Petersburg managed to sell more than one thousand apartments every month. Albert Popkov, Managing Partner of RegionFinansStroy: From my perspective, today's level of sales, as well as the cost of housing in each town affected by two simple factors. The first - the state of the construction market in the city. The second - the standard of living of citizens. Ie likely to increase sales and, consequently, housing prices will occur where people live well. Take, for example, Moscow and St. Petersburg, who are leaders on the dynamics of home prices. Naturally, the construction markets of these cities have suffered losses since the crisis began, the number of developers has significantly decreased, but the largest companies have survived and continue to work. It RBI, «LenSpetsSMU, Rosstroy, LSR, etc. Moreover, those banks, finance companies, individuals and entities who have invested in the stock market in 2008-2009. And this year made a profit, and thus began search for application monies. Therefore, in my opinion, such high rates more to do with the natural demand from consumers, rather than the work of individual developers, who offered an attractive program. An increase in wages in the bank this year, many lenders have increased wages to their employees, with an increase of 10-30%. In the coming year, say experts, this trend will continue. Valery Khrabrov, CEO of SAS Russia / CIS: Growth of salaries of employees of credit institutions due to the fact that the company cut staff during the crisis after crisis in 2010 it increased wages, rather than recruit new staff. In 2011, along with a gradual increase in wages is expected to build and staff of companies. Mainly, it is necessary for the further penetration of banking services in the economy. In addition, banks are increasingly using automated systems of budgeting and financial risk management. This trend makes it possible to maintain the optimum number of personnel and to ensure a high level of wages. The company SAS Russia / CIS, in its own personnel policy makes the choice not in favor of employees, and in favor of highly qualified personnel, which provides competitive by international standards, wages. This opinion is shared by many heads of banks and financial institutions. At last in November 2010 SAS Forum bankers agreed that there has been a "staff shortage" - companies looking for professionals and do not spare the money to pay for their labor. On aid to poor countries, World Bank decided to help poor countries. For a special fund to support poor and developing countries it intends to allocate $ 49.3 billion in funds will be spent on providing interest-free loans in 2011-2014. Yuri Petruschik, a member of the Board of Smolensk Bank: Criteria for determining the level of socio-economic development of least developed countries (LDCs) are developed by the Committee for Development Planning (CDP) of the UN. Based on the recommendations of the CRC UN General Assembly decides on the inclusion of one or another country in the least developed countries. Currently, the LDC owns 47 states, home to over 510 million people. These countries are: Africa - 32 countries, Asia - 9, Latin America - 1 in Oceania - 5. Those States occupy a special position on the far periphery of the world economy, they are very limited material, financial and technological resources for national economic development and ensuring adequate standards of living of local people. Least developed country status allows you to receive from the international community's special assistance for economic restructuring and market transformation. As for Russia, it certainly does not belong and can not belong to the LDC by the general provisions of its economy, resource base, economic potential and performance to raise capital. Moreover, in my opinion, our country is able to deal with the problem of poverty without the help of foreign inflows. Another thing is that to achieve this goal it is necessary to carry out systemic reforms in economic and social policies, legislation, education, human capital development, etc. Maxim Mikhalev, director of marketing and sales CUSTIS: Loans, even interest-free, will not help solve the poverty problem. Lending good when against a stable cash flow (earnings). The poor, the definition of the problem. And loans can it (the problem of poverty) to strengthen, as will encourage people to spend more than they earn. An increasingly important tool in the fight against poverty is the creation of new jobs, so people can earn first and then spend it. Natalia oakery, director of marketing for SAS Russia / CIS: interest-free loan to the poor - an effective solution to these problems. To get small loans, families can organize small-scale production or small commercial business that will help them improve the quality of life and create conditions for the loan. What is meant by entrepreneurial and workable part of the poor, and not one that will not work, even when creating an enabling environment. In addition, unscrupulous citizens often enjoy the benefit programs for profit. It is therefore important that banks and financial institutions have implemented information analysis systems to combat fraud in the registration of loans and the transfer of funds, lest they be settled in other pockets. Number of poor people in our country indicates that state aid to them is essential. Supporting the poor, the government decides not only a major philanthropic task: to provide families with low and zero-income health care, lodging, housing conditions, but also stimulates the growth of the economy. Anna Anokhin, Head of Credit Control Rosavtobanka ": In my view, such assistance needs and the population of Russia. First of all, it concerns the purchase of houses with borrowed money. Perhaps, at the state level need to develop a special program to provide long-term interest-free loans to poor people. This will partially solve the housing problem. In addition, when creating the infrastructure of new areas appear and additional jobs that will reduce the number of people living below the poverty line.
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