19.02.2024, 08:55
Russians owe record debts to banks
Source: OREANDA-NEWS
OREANDA-NEWS In 2023, the Federal Bailiff Service received 25 million enforcement proceedings, which is almost twice as much as in 2020. The Izvestia newspaper writes about this with reference to the department's data.
Despite the fact that the percentage of overdue debts remains stable, the number of enforcement proceedings has increased by 4.5 million cases over the past year. In 2021, there were 16.1 million, and in 2020 - 12.9 million. As the bailiffs note, the number does not correspond to the number of debtors, since compulsory collection for one person can be opened for several loans at once.
Last year, the amount of debt owed by citizens, which is subject to collection, increased to a record 3.26 trillion rubles (plus 200 billion). This is the highest indicator for the entire time of FSSP statistics. Most of the debtors are in the Krasnodar and Krasnoyarsk territories, Bashkortostan, Moscow and Chelyabinsk regions. As bailiffs note, forced repayment of loans is impossible due to the low solvency of citizens against the background of their tax arrears, payment for housing and communal services and debts to banks.
"The increase in loan defaults is associated with the high debt burden of the population, the still difficult economic situation in the country, and high inflation. As a result, it is becoming increasingly difficult for citizens to service their debts, which leads to an increase in delinquency," said Igor Dodonov, an analyst at Finam Financial Group.
According to the Central Bank, by September 2023, the total debt of Russians to banks increased to 30.22 trillion rubles. In this regard, the leader of the Duma faction "Fair Russia — For the Truth" Sergei Mironov proposed to the head of the Central Bank Elvira Nabiullina to start paying off the debts of some categories of citizens to banks at the expense of five percent of the annual profits of these organizations.
The Bank of Russia wanted to strengthen control over installments of Russians. According to Mikhail Mamuta, head of the Central Bank's Consumer Protection and Financial Services Accessibility Service, this type of loan is the same debt that needs to be taken into account when calculating the maximum credit burden of citizens. If the bank does not take this information into account, it can give the borrower a loan that he is unable to service.
Despite the fact that the percentage of overdue debts remains stable, the number of enforcement proceedings has increased by 4.5 million cases over the past year. In 2021, there were 16.1 million, and in 2020 - 12.9 million. As the bailiffs note, the number does not correspond to the number of debtors, since compulsory collection for one person can be opened for several loans at once.
Last year, the amount of debt owed by citizens, which is subject to collection, increased to a record 3.26 trillion rubles (plus 200 billion). This is the highest indicator for the entire time of FSSP statistics. Most of the debtors are in the Krasnodar and Krasnoyarsk territories, Bashkortostan, Moscow and Chelyabinsk regions. As bailiffs note, forced repayment of loans is impossible due to the low solvency of citizens against the background of their tax arrears, payment for housing and communal services and debts to banks.
"The increase in loan defaults is associated with the high debt burden of the population, the still difficult economic situation in the country, and high inflation. As a result, it is becoming increasingly difficult for citizens to service their debts, which leads to an increase in delinquency," said Igor Dodonov, an analyst at Finam Financial Group.
According to the Central Bank, by September 2023, the total debt of Russians to banks increased to 30.22 trillion rubles. In this regard, the leader of the Duma faction "Fair Russia — For the Truth" Sergei Mironov proposed to the head of the Central Bank Elvira Nabiullina to start paying off the debts of some categories of citizens to banks at the expense of five percent of the annual profits of these organizations.
The Bank of Russia wanted to strengthen control over installments of Russians. According to Mikhail Mamuta, head of the Central Bank's Consumer Protection and Financial Services Accessibility Service, this type of loan is the same debt that needs to be taken into account when calculating the maximum credit burden of citizens. If the bank does not take this information into account, it can give the borrower a loan that he is unable to service.
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