The deputies prepared amendments to legislation that will help solve the problem of the growth of debt of Russians on loans, the deputy chairman of the State Duma Committee on Control and Regulations Natalia Kostenko said. Whether the initiative will work, found out bankiros.ru.
According to Kotenko, the problem of growth of credit commitments of citizens to banks remains relevant. Loss of work and revenge the revenues of Russians in connection with the pandemic was negatively influenced by the benefits of debt payment by citizens. At the same time, according to the parliamentarian, this problem can be solved only by an integrated method, and such one-time procedures, as credit amnesty, are unable to change the situation.
The State Duma addresses two ways to solve the problem of growth of credit debts. They believe that, first of all, it is necessary to establish a mandatory procedure for the restructuring of credit debt, because at the moment it is the right, but not the responsibility of the Bank with the laws of objective circumstances. For example, in case of loss of work.
Also in the State Duma plan to ensure the access of debtors' citizens to funds in the amount of the subsistence minimum in the holding of their debts. This, according to parliamentarians, will stimulate the participants of the financial market to more responsible lending, in which the real income of citizens will be taken into account.
What will the absenteeism for debtors lead?Mark Goyhman's chief analyst Mark Goyhman explained Bankiros.ru that the mandatory restructuring of loans of individuals under certain conditions is a measure that has conflicting consequences.
"Of course, it is positive for borrowers who fell into difficult life situations. However, this practice will increase bank risks, because the creditor will not be compensated for losses from non-payment, "said the analyst.He explained that banks are now individually suggesting this issue in each specific case, choosing a "smaller of two evils." If the measure becomes mandatory, costs and protective measures will increase by banks. They will be forced to raise rates to protect themselves from such a practice. Therefore, its consequence can be a blow to the banking system, the reduction of its reliability and the rise in price of its services for all customers, even quite conscientious and solvent, is sure Goyhman.
"The increase in the cost of loans can lead to more substantial difficulties for their service and repayment by others," non-terrified "borrowers, which contradicts the goal of reducing the supervision of people," said Bankiros.ru interlocutor.Also, according to him, the unilateral provision of the advantages of one or another participant in economic relations violates their total balance, which makes less sustainable the entire system. In addition, increasing the value of banking services contradicts the goal of stimulating the effective demand and economic growth, concluded Goyhman.