The Russian economy in the first quarter of this year, has stabilized, but of no growth no question, told the president - chairman of the board of the Savings Bank of Russia Herman Gref in an interview with Kommersant. "economy in the first quarter was in stagnation. If you look at the ratio of the fourth quarter of last year, we'll see even a small negative GDP growth, "- said the former Minister of Economic Development. Gref also said volatility in the market, which is expressed on the background of stabilization processes. He said," we are still the object of a large influx of speculative money. "He emphasized that the excessive exploitation of natural resources and reducing the share of production and export of machinery products in GDP leads to a strengthening of the ruble, which in turn leads to discourage the non-oil exports. Sberbank of Russia to significantly increase the quality of the portfolio of physical persons for almost tripling the average loan size after the introduction of a mechanism of credit factories, Gref said. "The quality of the portfolio has increased by an order: precisely because of the delay while the share of retail loans to a credit factories, compared with a portfolio of loans to natural persons, issued by traditional methods. And this despite the fact that the average number of issue has grown from 57,000 rubles to 154 rubles, and at the level of approval for more than 70% of submitted loan applications. So while our risk assessment model gives positive results ", - Gref said. According to him, the introduction of credit factories in full across the country will be completed in the third quarter of 2010. At present this technology are given all retail products except mortgages, to be transferred to the technology next year. "This, of course, our know-how, but nothing like this in the Savings Bank has never been. If before the decision on any retail loans took at least two weeks, then under the credit factory average loan - 44 hours, "- said Gref.
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