Pawnshops have to catch up with Banks

The crisis has contributed to the growth of leveraged institutions, which are often used to launder funds. Specialists of the Central Bank and the Federal Financial Monitoring Service estimated that the amount of loans granted by pawnshops are comparable with the banking volumes. This may be associated with an increase in bogus pawn establishments engaged in illegal cashing of money. Currently, there are three types of institutions: the "white pawn, obey the law," the gray pawn shops, occasionally resorting to illegal schemes earnings, and the black pawn ", created exclusively for the illicit earnings. Last summer in the capital was uncovered a network of "black pawn" in which there were over one hundred branches throughout Russia. Its organizers were washed by 2 billion rubles. monthly. They confiscated thousands of documents confirming that non-existent things. For registration we used the lost identity card or passport of family members of employees of pawnshops. According to official statistics of the Central Bank in 2009, pawnshops have been issued for 18% of loans more than in 2008, this happened despite the high interest rates and special conditions of mortgage assets. When banks were afraid of the crisis and turned the program of loans available, people have no choice to make money - they rushed to the pawnshop. Those were given money and, as well as banks, faced with the problem of arrears. While official statistics of specific amounts of loans do not. But as reported by RBC daily », were previously announced debt figures Moscow pawnshops at 3.5 billion rubles. And across the country - 20 billion rubles. According to the Central Bank, in our country there are about 5 thousand pawnshops. These agencies give out loans at a significant percentage given the pledge, as a rule, jewelery, car or real estate, which is much cheaper than their estimated market value. If a customer agency does not return the loan, the collateral becomes the property of the pawnshop, which sells this stuff at a good price for yourself.