Олег Харсеев /


Для того чтобы снизить ставки и избежать «пузырей» на рынке потребительского кредитования, ЦБ идет на новые ужесточения. С 1 марта регулятор намерен повысить коэффициенты риска по ссудам с полной стоимостью кредита (ПСК) более 30%. Впрочем, банки считают, что это приведет не к снижению ставок, а к отказу ряда игроков от работы в определенных сегментах.

ЦБ обнародовал проект указания, которым вносятся изменения в инструкцию N139-И «Об обязательных нормативах банков». Проект разработан с целью предотвращения «пузырей» на кредитном рынке, а также стимулирования кредитования через снижение процентных ставок, следует из пояснительной записки. Для этого ЦБ намерен установить повышенный коэффициент риска — 3 для потребительских ссуд с ПСК более 30% и, по сути, запретительный коэффициент 6 для кредитов с ПСК более 35%.

ПСК рассчитывается по формуле, установленной ЦБ (учитывает ставку, страховку и иные платежи по кредиту). Коэффициенты риска используются при расчете нормативов достаточности капитала. Сейчас кредиты с ПСК 25-35% взвешиваются с коэффициентом 1,1, с ПСК 35-45% —1,4, для кредитов с ПСК 45-60% установлен коэффициент риска 3, от 60% действует запретительный коэффициент 6. Проектом предполагается, что изменения будут применяться для потребительских кредитов, выданных после 1 марта.

Впрочем, ужесточение может дать неожиданный результат. «Снижать ставки просто больше некуда»,— отмечает член правления Альфа-банка Михаил Повалий. По мнению зампреда правления ОТП-банка Александра Васильева, на снижение ставок по потребительским кредитам пойдут лишь те банки, у которых проблемы с достаточностью капитала, хотя и они скорее просто откажутся от отдельных видов кредитования.

Источник: kommersant.ru

69 комментариев

Уведомление: Computer repairs brooklyn
Уведомление: commercial exteriors inc
Уведомление: GCLUB
Уведомление: https://scripde.com
Уведомление: try this
Уведомление: The Empowered Church of The Woodlands
Уведомление: 모바일카지노
Уведомление: Printers In Toronto Ontario
Уведомление: บาคาร่า
Уведомление: smm panel
Уведомление: w88
Уведомление: ts911betsoccer.com
Уведомление: jaguarqq
Уведомление: โกงชักดาบ
Уведомление: scrapbooking

Some really great information, Gladiolus I found this. «It’s not only the most difficult thing to know one’s self, but the most inconvenient.» by Josh Billings.

Greetings from Idaho! I’m bored to tears at work so I decided to browse your site on my iphone during lunch break. I love the knowledge you present here and can’t wait to take a look when I get home. I’m amazed at how quick your blog loaded on my phone .. I’m not even using WIFI, just 3G .. Anyhow, very good blog!

I have not checked in here for some time since I thought it was getting boring, but the last few posts are great quality so I guess I will add you back to my daily bloglist. You deserve it my friend 🙂

Уведомление: Crystal Meth Shop

I would like to thnkx for the efforts you have put in writing this blog. I am hoping the same high-grade blog post from you in the upcoming as well. In fact your creative writing abilities has inspired me to get my own blog now. Really the blogging is spreading its wings quickly. Your write up is a good example of it.

It’s the best time to make a few plans for the future and it is time to be happy. I’ve read this post and if I may just I desire to counsel you few attention-grabbing things or advice. Maybe you could write subsequent articles referring to this article. I wish to read more things approximately it!

Уведомление: www.saranapoker1.club
Уведомление: กังนัม คลินิก
Уведомление: Skrota bilen hämtning
Уведомление: Astro Angel

I think this is among the so much vital info for me. And i am glad reading your article. However should statement on some normal issues, The site taste is ideal, the articles is in reality nice : D. Good job, cheers

Уведомление: naga qq
Уведомление: here

Those are yours alright! . We at least need to get these people stealing images to start blogging! They probably just did a image search and grabbed them. They look good though!

Excellent site. Plenty of useful information here. I?¦m sending it to several pals ans additionally sharing in delicious. And certainly, thank you to your effort!

Aw, this was a very nice post. In idea I would like to put in writing like this additionally – taking time and precise effort to make an excellent article… but what can I say… I procrastinate alot and not at all appear to get one thing done.

I do agree with all the ideas you have presented in your post. They’re really convincing and will certainly work. Still, the posts are very short for beginners. Could you please extend them a little from next time? Thanks for the post.

Уведомление: Sivas haberler

Hey! This is kind of off topic but I need some help from an established blog. Is it difficult to set up your own blog? I’m not very techincal but I can figure things out pretty quick. I’m thinking about setting up my own but I’m not sure where to start. Do you have any points or suggestions? Appreciate it

A person essentially help to make seriously posts I would state. This is the first time I frequented your website page and thus far? I amazed with the research you made to make this particular publish amazing. Wonderful job!

What i don’t understood is in reality how you’re no longer actually much more well-favored than you may be right now. You’re very intelligent. You understand therefore considerably with regards to this topic, made me personally consider it from numerous numerous angles. Its like men and women are not involved unless it is one thing to accomplish with Girl gaga! Your individual stuffs excellent. All the time handle it up!

I just couldn’t depart your website before suggesting that I really loved the standard info a person supply in your visitors? Is going to be again often in order to investigate cross-check new posts.

My partner and I absolutely love your blog and find nearly all of your post’s to be what precisely I’m looking for. Does one offer guest writers to write content for yourself? I wouldn’t mind creating a post or elaborating on most of the subjects you write related to here. Again, awesome web log!

Good day! Do you know if they make any plugins to help with SEO? I’m trying to get my blog to rank for some targeted keywords but I’m not seeing very good success. If you know of any please share. Appreciate it!

Super-Duper website! I am loving it!! Will be back later to read some more. I am bookmarking your feeds also.

Unquestionably consider that which you said. Your favourite justification seemed to be at the net the easiest factor to remember of. I say to you, I definitely get irked whilst other people think about issues that they plainly do not realize about. You controlled to hit the nail upon the highest and also defined out the whole thing with no need side-effects , other folks could take a signal. Will probably be again to get more. Thank you

I just want to say I’m beginner to blogging and site-building and definitely savored you’re web blog. Likely I’m likely to bookmark your blog . You really have good article content. Thank you for sharing with us your blog site.

Good V I should certainly pronounce, impressed with your site. I had no trouble navigating through all tabs as well as related info ended up being truly easy to do to access. I recently found what I hoped for before you know it at all. Quite unusual. Is likely to appreciate it for those who add forums or something, website theme . a tones way for your client to communicate. Nice task..

Hello! I could have sworn I’ve been to this site before but after looking at some of the articles I realized it’s new to me. Nonetheless, I’m certainly pleased I discovered it and I’ll be bookmarking it and checking back often!

When I originally commented I clicked the -Notify me when new remarks are included- checkbox as well as currently each time a remark is included I obtain four emails with the exact same remark. Is there any way you can eliminate me from that service? Many thanks!

Комментирования закрыты.