The Central Bank (CB) will prepare recommendations for banks, microfinance organizations and collectors on synchronizing the collection of debts of individuals who have obligations to several creditors. According to the Bureau of Credit Histories (BKI), 35% of Russian borrowers have two or more loans in different banks.
Aleksey Chirkov, head of the regulation department of the service for protecting consumer rights and ensuring the availability of financial services of the regulator, spoke about the plans of the Central Bank at a conference of the National Association of Professional Collection Agencies. He clarified that the Central Bank is interested in market participants entering into mediated intercreditor agreements providing for a unified approach to the collection or restructuring of debts of a common client.
Sberbank said that credit institutions have “different approaches” to debt collection. “We help the client only with those loans that we have in Sberbank, but, according to BKI, our clients still have obligations in other banks, and we have different approaches to settlement and collection, we have different scoring models: we , for example, we can provide restructuring, while other banks cannot, ”said Denis Kuznetsov, head of the Retail Collection and Settlement division of the Sberbank Troubled Assets Department, at the same conference (quote from RBC).
According to him, the bank supports the idea of concluding agreements on a unified approach to working with the debtor. In the spring of 2022, Sber began to work as a coordinator in the processes of settling the debts of its individual clients in other banks, Mr. Kuznetsov specified. “We went a little further and made this service in an online bank – the client can say that he has obligations to other banks, and we will already agree with them on uniform restructuring rules,” the top manager explained.
According to his presentation, nine banks act as partners of Sberbank: VTB, Alfa-Bank, Otkritie, Tinkoff-Bank, Gazprombank, Rosbank, MTS-Bank, Sovcombank and Dom.RF Bank. Sberbank plans to create a single service that would allow creditors to “sign the terms of restructuring and also negotiate in one place,” and the client would send only one application for a deferment.
In 2022, almost 5% of the participants in the professional recovery market were classified by the Federal Bailiff Service as “high” and “significant” risk. Such companies at least once in the past year committed a significant violation of the law, for example, threatened debtors.
Details – in the material “Kommersant” “Collectors smashed by risks.”