Over the past four years, the proportion of borrowers with outstanding late payment from six months almost doubled and amounted to 12.1%. According to the calculations of the joint credit Bureau (OKB) in the first six months of 2018, the number increased to 6.7 million people compared to 3.1 million in mid-2014.
The increase in the share of bad debtors due to declining incomes and an aggressive increase of loan portfolios of banks, write “Izvestia”. Over the past four years, real incomes fell by 11.4% in 2014, 0.7% in 2015 and 3.2% in 2016 and 5.8% in 2017 is 1.7%.
The sharp increase in lending to the population has led to growth in credit load, even before the deterioration in the economy has accumulated a higher risk, says head of management strategies for the recovery of the Bank Stanislav vitvitskiy. According to the expert, in General, base bad debts already formed – largely in the crisis period. By the end of this year, the share of borrowers with outstanding overdue six months will amount to 12.2, or 12.3%, an increase of only 0.1-0.2%, predicts senior analyst “BCS Premier” Anton Pokatovich.
If non-payment of credit more than six months the return of the debt begins to demand self-service recovery of the Bank. If it fails, the Bank goes to court or sell the debt to collectors.
The second method will be much easier – the relevant amendments to the law on recovery of debt individuals are in the state Duma and recommended for adoption on second reading.
They suggest the abolition of the mandatory written notice to customer of the Bank on the transfer of debt collectors – this borrowers will be to learn only special resource in the Internet.
According to the amendments, the borrower is considered a notice of the involvement of collectors, if the corresponding message is placed in the Unified Federal register of information on facts of activity of legal entities, individual entrepreneurs and other economic actors. Previously, the creditor was obliged to inform the client by registered mail with return receipt requested, or by delivery of the notice on receipt.
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