With the global financial crisis shattered many of the activities of Russian banks: a high rate of loan growth that we saw before the crisis, accompanied by a lack of verification of borrowers, and banks currently face a shortage of liquidity, slowing growth in lending to the real economy and the outflow of funds from deposits.
"The panic of the population can topple any bank. Outflow of deposits by about 20% - this is the collapse of the bank," - said General Director of the State Corporation "Deposit Insurance Agency" Alexander Turbanov. According to the Ministry of Finance, the share of organized savings in deposits and securities decreased from 5.3% in August to 1.5% in September. In addition, there are mass layoffs of employees (in the investment and construction companies in some cases - up to 40-60% of staff), lower wages and delays in their payments. In this situation, the creditworthiness of the country, of course, falls. Borrowers do not fulfill their obligations to the bank and do not fulfill the conditions of the loan agreement: delinquencies are formed. Banks turn to the collectors, serves lawsuits, but this is not the most effective ways to solve the problem.
"To date, approximately 40% of Russians" live in debt. "Even if today people believe in their abilities, realizes that he can repay the loan, it does not give any guarantees, because in this case, the situation also depends on the stability of the bank that he is, and from changes in global financial markets. Legislative regulation of credit relations in Russia is poorly developed due to the fact that this phenomenon is still new and not obvious to all in our society, so that the mass of black holes here. Borrowers should be extremely careful and careful not to fall into one of them "- suggests research director at the company Profi Online Research Victoria Sokolova.
Whatever the fate of either waiting for the bank, the borrower will have to comply fully with all its obligations to repay the loan. Bank with liquidity problems, can offer its borrowers to repay the loan at a discount in the short term. But forced to act against the borrower's bank has no right. The borrower continues to pay off the body of the loan and interest, even if he was announced to revoke the license and possible bankruptcy soon. The borrower must still pay attention to the performance of its obligations: to the bank asking where to send money, because the bankruptcy of the bank shut down all accounts.
If you revoke the license of the bank bankruptcy trustee for a year collecting the tender amount. Gather all the debts on loans from borrowers. Repaid the debt to the creditors of the bankrupt bank. After that, the tender is selling a failed bank, together with its outstanding loan to another organization.
"In the course of bankruptcy administration dampens the borrower or the entire loan, and then either return it to a third party who acquires the right to claim in the sale of failed bank assets. Credit terms are not changed, unless, of course, the new owner of the rights of the requirements will not change them within the stipulated credit agreement. bank bankrupt by the court may require early termination of the loan agreement, but if the borrower faithfully fulfills its obligations, the court would have no grounds for an action - developing the theme of Alexander Osin, chief economist of the Criminal Code "Finam Management." - And, of course , we can not exclude that the banks are counting on government involvement in solving the problem of bad debts - perhaps due to their redemption. "
"The vast majority of borrowers are meeting their obligations to the banks. However, some banks noted an increase in the level of defaults. Sale portfolio becomes a way of improving the liquidity and solvency. On the other hand, specialized private equity funds and financial institutions (both Russian and foreign ) expressed interest in acquiring Russian loan portfolios "- analyzes the situation with loans Partner, Head of Transaction Support Mergers and Acquisitions PricewaterhouseCoopers Michael Knoll.
"For example, mortgage bank issues a mortgage a security and sells them to another bank. Bank, who bought these mortgages, the borrower shall send notice of the fact that he now serves on the loan is already in their bank account. That is, the situation is such that even with bankruptcy Bank of the borrower in any case, return the debt in full, but another bank. Tip one - not to spoil relations with the bank and do not spoil your credit history, in any way to mutual settlement with the lender. If mortgage or car loan, you may sell out collateral. If a consumer credit - you can use a loan from friends, relatives and partners. Output is always there, "- Vitaly is encouraging villages.
"The panic of the population can topple any bank. Outflow of deposits by about 20% - this is the collapse of the bank," - said General Director of the State Corporation "Deposit Insurance Agency" Alexander Turbanov. According to the Ministry of Finance, the share of organized savings in deposits and securities decreased from 5.3% in August to 1.5% in September. In addition, there are mass layoffs of employees (in the investment and construction companies in some cases - up to 40-60% of staff), lower wages and delays in their payments. In this situation, the creditworthiness of the country, of course, falls. Borrowers do not fulfill their obligations to the bank and do not fulfill the conditions of the loan agreement: delinquencies are formed. Banks turn to the collectors, serves lawsuits, but this is not the most effective ways to solve the problem.
"To date, approximately 40% of Russians" live in debt. "Even if today people believe in their abilities, realizes that he can repay the loan, it does not give any guarantees, because in this case, the situation also depends on the stability of the bank that he is, and from changes in global financial markets. Legislative regulation of credit relations in Russia is poorly developed due to the fact that this phenomenon is still new and not obvious to all in our society, so that the mass of black holes here. Borrowers should be extremely careful and careful not to fall into one of them "- suggests research director at the company Profi Online Research Victoria Sokolova.
Whatever the fate of either waiting for the bank, the borrower will have to comply fully with all its obligations to repay the loan. Bank with liquidity problems, can offer its borrowers to repay the loan at a discount in the short term. But forced to act against the borrower's bank has no right. The borrower continues to pay off the body of the loan and interest, even if he was announced to revoke the license and possible bankruptcy soon. The borrower must still pay attention to the performance of its obligations: to the bank asking where to send money, because the bankruptcy of the bank shut down all accounts.
If you revoke the license of the bank bankruptcy trustee for a year collecting the tender amount. Gather all the debts on loans from borrowers. Repaid the debt to the creditors of the bankrupt bank. After that, the tender is selling a failed bank, together with its outstanding loan to another organization.
"In the course of bankruptcy administration dampens the borrower or the entire loan, and then either return it to a third party who acquires the right to claim in the sale of failed bank assets. Credit terms are not changed, unless, of course, the new owner of the rights of the requirements will not change them within the stipulated credit agreement. bank bankrupt by the court may require early termination of the loan agreement, but if the borrower faithfully fulfills its obligations, the court would have no grounds for an action - developing the theme of Alexander Osin, chief economist of the Criminal Code "Finam Management." - And, of course , we can not exclude that the banks are counting on government involvement in solving the problem of bad debts - perhaps due to their redemption. "
"The vast majority of borrowers are meeting their obligations to the banks. However, some banks noted an increase in the level of defaults. Sale portfolio becomes a way of improving the liquidity and solvency. On the other hand, specialized private equity funds and financial institutions (both Russian and foreign ) expressed interest in acquiring Russian loan portfolios "- analyzes the situation with loans Partner, Head of Transaction Support Mergers and Acquisitions PricewaterhouseCoopers Michael Knoll.
"For example, mortgage bank issues a mortgage a security and sells them to another bank. Bank, who bought these mortgages, the borrower shall send notice of the fact that he now serves on the loan is already in their bank account. That is, the situation is such that even with bankruptcy Bank of the borrower in any case, return the debt in full, but another bank. Tip one - not to spoil relations with the bank and do not spoil your credit history, in any way to mutual settlement with the lender. If mortgage or car loan, you may sell out collateral. If a consumer credit - you can use a loan from friends, relatives and partners. Output is always there, "- Vitaly is encouraging villages.
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