Граждане предпочли сократить долги перед банками

Граждане предпочли сократить долги перед банками

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Евгений Переверзев /

Коммерсантъ

Конец 2016 года стал аномальным для рынка карточного кредитования: снижающие доходы вынудили граждан гораздо сильнее, чем обычно, сократить траты и задолженность по кредитам. Кроме того, декабрь неожиданно вернул в тройку лидеров на рынке кредитных карт «Русский стандарт», «технически» обогнавшего ВТБ 24.

Согласно данным Frank Research Group (FRG), в 2016 году объем карточных долгов граждан перед банками сократился на 3,8%, до 1,19 трлн руб. Существенный вклад в это сокращение внес декабрь — за месяц объем долгов по кредитным картам и овердрафтам уменьшился на 2,8%, или 35 млрд руб. В отличие от других сегментов розничного кредитования, где декабрь обычно наиболее удачный месяц, на карточном рынке наблюдается обратная динамика — люди гасят долги за счет премий, в том числе чтобы вернуться в грейс-период (беспроцентный период кредитования — обычно 30-60 дней). «Премии и бонусы являются важным источником погашения кредитов, наибольший эффект они оказывают на кредитные карты,— отмечают в Сбербанке — Даже более высокие декабрьские траты перекрываются дополнительными доходами граждан».

В 2016 году этот тренд был особенно ярким, фактически декабрь обеспечил более 70% годового сокращения объема задолженности по картам. Для сравнения: в прошлом году в декабре сокращение объема задолженности по кредитным картам и овердрафтам составило 1,2% или менее 25% от годового сокращения. «Сберегательное поведение населения выражается все ярче, вместо того, чтобы потратить новогодние премии на покупки, люди решили при первой возможности рассчитаться по кредитным картам,— поясняет главный экономист компании «ПФ Капитал» Евгений Надоршин.— Это очень дорогие долги, и провал доходов не позволяет населению их обслуживать». Особенность 2016 года — слабо выраженный «высокий сезон» в торговле, объем трат граждан был меньше, меньше оказались и расходы по кредитным картам, добавляют в Сбербанке.

Декабрь принес и неожиданные перестановки в числе лидеров рынка кредитных карт. Так, в топ-3 банка по объему задолженности по карточным кредитам неожиданно вернулся «Русский стандарт», покинувший тройку лидеров в октябре 2016 года (уступил место ВТБ 24). Октябрьские изменения были ожидаемы: ВТБ 24 показывал почти весь год позитивную динамику задолженности по карточным кредитам, а «Русский стандарт» планомерно сокращал портфель (за год он уменьшился на 19,8%). А вот в декабре оба банк ушли в минус, но портфель ВТБ 24 сократился на 2,3 млрд руб., до 96,8 млрд руб., а «Русского стандарта» — на 1,8 млрд руб., до 97,1 млрд руб. Таким образом, «Русский стандарт» одержал техническую победу. Первые два места занимают Сбербанк (468,1 млрд руб.) и Тинькофф-банк (114,7 млрд руб.).

Дальнейшее развитие событий будет зависеть от стратегии конкурентов. «В 2017 году банк активизирует работу с текущим портфелем и клиентской базой, наращивая объем вторичных продаж действующим низкорисковым клиентам, за счет чего мы ожидаем рост портфеля кредитных карт, это один из ключевых бизнесов банка»,— сообщила директор департамента кредитно-карточного бизнеса «Русского стандарта» Алла Мареева. Впрочем, эксперты сомневаются, что банку удастся переломить негативную тенденцию — объем задолженности по его карточным кредитам сокращается три года подряд. В ВТБ 24 акцента на росте портфеля не делают. «На данный момент определяющим для нашего бизнеса является даже не рост задолженности клиентов, а наращивание оборотов по действующим картам»,— заявил начальник управления кредитных карт ВТБ 24 Александр Бородкин.

В такой ситуации не исключено, что оба банка из тройки лидеров вытеснит Альфа-банк (5-е место, по итогам года объем заложенности по картам 95,7 млрд руб.). Разрыв между конкурентами минимальный. «Мы намерены достаточно активно продвигать кредитные карты, что, в свою очередь, приведет к росту портфеля,— сообщил «Ъ» член правления Альфа-банка Михаил Повалий.— Планируем войти в топ-3 по объему задолженностей по кредитным картам». По мнению гендиректора FRG Юрия Грибанова, у Альфа-банка есть все предпосылки для попадания в топ-3. «У ВТБ 24 и Альфа-банка преимущество перед «Русским стандартом» в том, что у них есть большой блок корпоративного бизнеса, который является хорошим донором для карточного,— отмечает он.— Однако темп развития бизнеса ВТБ 24 может в этом году притормозить его объединение с ВТБ».

Источник: kommersant.ru

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Hands down, Apple’s app store wins by a mile. It’s a huge selection of all sorts of apps vs a rather sad selection of a handful for Zune. Microsoft has plans, especially in the realm of games, but I’m not sure I’d want to bet on the future if this aspect is important to you. The iPod is a much better choice in that case.

The new Zune browser is surprisingly good, but not as good as the iPod’s. It works well, but isn’t as fast as Safari, and has a clunkier interface. If you occasionally plan on using the web browser that’s not an issue, but if you’re planning to browse the web alot from your PMP then the iPod’s larger screen and better browser may be important.

Between me and my husband we’ve owned more MP3 players over the years than I can count, including Sansas, iRivers, iPods (classic & touch), the Ibiza Rhapsody, etc. But, the previous couple of years I’ve settled down to 1 distinct players. Why? Because I was happy to discover how well-designed and fun to use the underappreciated (and widely mocked) Zunes are.

Apple now has Rhapsody as an app, which is a great start, but it is currently hampered by the inability to store locally on your iPod, and has a dismal 64kbps bit rate. If this changes, then it will somewhat negate this advantage for the Zune, but the 10 songs per month will still be a big plus in Zune Pass’ favor.

The new Zune browser is surprisingly good, but not as good as the iPod’s. It works well, but isn’t as fast as Safari, and has a clunkier interface. If you occasionally plan on using the web browser that’s not an issue, but if you’re planning to browse the web alot from your PMP then the iPod’s larger screen and better browser may be important.

I’ll gear this review to 2 types of people: current Zune owners who are considering an upgrade, and people trying to decide between a Zune and an iPod. (There are other players worth considering out there, like the Sony Walkman X, but I hope this gives you enough info to make an informed decision of the Zune vs players other than the iPod line as well.)

Apple now has Rhapsody as an app, which is a great start, but it is currently hampered by the inability to store locally on your iPod, and has a dismal 64kbps bit rate. If this changes, then it will somewhat negate this advantage for the Zune, but the 10 songs per month will still be a big plus in Zune Pass’ favor.

If you’re still on the fence: grab your favorite earphones, head down to a Best Buy and ask to plug them into a Zune then an iPod and see which one sounds better to you, and which interface makes you smile more. Then you’ll know which is right for you.

I’ll gear this review to 2 types of people: current Zune owners who are considering an upgrade, and people trying to decide between a Zune and an iPod. (There are other players worth considering out there, like the Sony Walkman X, but I hope this gives you enough info to make an informed decision of the Zune vs players other than the iPod line as well.)

The new Zune browser is surprisingly good, but not as good as the iPod’s. It works well, but isn’t as fast as Safari, and has a clunkier interface. If you occasionally plan on using the web browser that’s not an issue, but if you’re planning to browse the web alot from your PMP then the iPod’s larger screen and better browser may be important.

Apple now has Rhapsody as an app, which is a great start, but it is currently hampered by the inability to store locally on your iPod, and has a dismal 64kbps bit rate. If this changes, then it will somewhat negate this advantage for the Zune, but the 10 songs per month will still be a big plus in Zune Pass’ favor.

The new Zune browser is surprisingly good, but not as good as the iPod’s. It works well, but isn’t as fast as Safari, and has a clunkier interface. If you occasionally plan on using the web browser that’s not an issue, but if you’re planning to browse the web alot from your PMP then the iPod’s larger screen and better browser may be important.

Between me and my husband we’ve owned more MP3 players through the years than I can count, including Sansas, iRivers, iPods (classic & touch), the Ibiza Rhapsody, etc. But, the last few years I’ve settled down to one distinct players. Why? Because I was happy to find out how well-designed and fun to utilize the underappreciated (and widely mocked) Zunes are.

Apple now has Rhapsody as an app, which is a great start, but it is currently hampered by the inability to store locally on your iPod, and has a dismal 64kbps bit rate. If this changes, then it will somewhat negate this advantage for the Zune, but the 10 songs per month will still be a big plus in Zune Pass’ favor.

The Zune concentrates on being a Portable Media Player. Not a web browser. Not a game machine. Maybe in the future it’ll do even better in those areas, but for now it’s a fantastic way to organize and listen to your music and videos, and is without peer in that regard. The iPod’s strengths are its web browsing and apps. If those sound more compelling, perhaps it is your best choice.

Apple now has Rhapsody as an app, which is a great start, but it is currently hampered by the inability to store locally on your iPod, and has a dismal 64kbps bit rate. If this changes, then it will somewhat negate this advantage for the Zune, but the 10 songs per month will still be a big plus in Zune Pass’ favor.

I’ll gear this review to 2 types of people: current Zune owners who are considering an upgrade, and people trying to decide between a Zune and an iPod. (There are other players worth considering out there, like the Sony Walkman X, but I hope this gives you enough info to make an informed decision of the Zune vs players other than the iPod line as well.)

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The new Zune browser is surprisingly good, but not as good as the iPod’s. It works well, but isn’t as fast as Safari, and has a clunkier interface. If you occasionally plan on using the web browser that’s not an issue, but if you’re planning to browse the web alot from your PMP then the iPod’s larger screen and better browser may be important.

Between me and my husband we’ve owned more MP3 players through the years than I could count, including Sansas, iRivers, iPods (classic & touch), the Ibiza Rhapsody, etc. But, the last few years I’ve settled down to at least one line of players. Why? Because I was happy to find out how well-designed and fun to utilize the underappreciated (and widely mocked) Zunes are.

Sorry for the huge review, but I’m really loving the new Zune, and hope this, as well as the excellent reviews some other people have written, will help you decide if it’s the right choice for you.

Between me and my husband we’ve owned more MP3 players over time than I can count, including Sansas, iRivers, iPods (classic & touch), the Ibiza Rhapsody, etc. But, the previous few years I’ve settled down to 1 line of players. Why? Because I was happy to discover how well-designed and fun to use the underappreciated (and widely mocked) Zunes are.

Between me and my husband we’ve owned more MP3 players through the years than I can count, including Sansas, iRivers, iPods (classic & touch), the Ibiza Rhapsody, etc. But, the last few years I’ve settled down to 1 distinct players. Why? Because I was happy to discover how well-designed and fun to utilize the underappreciated (and widely mocked) Zunes are.

If you’re still on the fence: grab your favorite earphones, head down to a Best Buy and ask to plug them into a Zune then an iPod and see which one sounds better to you, and which interface makes you smile more. Then you’ll know which is right for you.

The new Zune browser is surprisingly good, but not as good as the iPod’s. It works well, but isn’t as fast as Safari, and has a clunkier interface. If you occasionally plan on using the web browser that’s not an issue, but if you’re planning to browse the web alot from your PMP then the iPod’s larger screen and better browser may be important.

Zune and iPod: Most people compare the Zune to the Touch, but after seeing how slim and surprisingly small and light it is, I consider it to be a rather unique hybrid that combines qualities of both the Touch and the Nano. It’s very colorful and lovely OLED screen is slightly smaller than the touch screen, but the player itself feels quite a bit smaller and lighter. It weighs about 2/3 as much, and is noticeably smaller in width and height, while being just a hair thicker.

The new Zune browser is surprisingly good, but not as good as the iPod’s. It works well, but isn’t as fast as Safari, and has a clunkier interface. If you occasionally plan on using the web browser that’s not an issue, but if you’re planning to browse the web alot from your PMP then the iPod’s larger screen and better browser may be important.

Apple now has Rhapsody as an app, which is a great start, but it is currently hampered by the inability to store locally on your iPod, and has a dismal 64kbps bit rate. If this changes, then it will somewhat negate this advantage for the Zune, but the 10 songs per month will still be a big plus in Zune Pass’ favor.

Zune and iPod: Most people compare the Zune to the Touch, but after seeing how slim and surprisingly small and light it is, I consider it to be a rather unique hybrid that combines qualities of both the Touch and the Nano. It’s very colorful and lovely OLED screen is slightly smaller than the touch screen, but the player itself feels quite a bit smaller and lighter. It weighs about 2/3 as much, and is noticeably smaller in width and height, while being just a hair thicker.

Zune and iPod: Most people compare the Zune to the Touch, but after seeing how slim and surprisingly small and light it is, I consider it to be a rather unique hybrid that combines qualities of both the Touch and the Nano. It’s very colorful and lovely OLED screen is slightly smaller than the touch screen, but the player itself feels quite a bit smaller and lighter. It weighs about 2/3 as much, and is noticeably smaller in width and height, while being just a hair thicker.

Hands down, Apple’s app store wins by a mile. It’s a huge selection of all sorts of apps vs a rather sad selection of a handful for Zune. Microsoft has plans, especially in the realm of games, but I’m not sure I’d want to bet on the future if this aspect is important to you. The iPod is a much better choice in that case.

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