The Association of Banks “Russia” (ADB) sent a letter to the Central Bank with a request to postpone for a year the mandatory introduction of the possibility of opening accounts, deposits and issuing loans using biometrics. According to the organization, by the earlier appointed date – January 1, 2022 – banks simply will not have time to provide this technologically. RBC got acquainted with the letter, its authenticity was confirmed by the vice-president of ADB Alexey Voylukov. “According to information received from credit institutions – members of the Association“ Russia ”, not all banks with a universal license are ready to fulfill the legislative requirement in full by January 1, 2022 and implement the provision of services for opening accounts, accepting deposits and issuing loans to individuals through their the official website and mobile application, “the letter says. The organization asks to postpone the mandatory introduction of the ability to carry out financial transactions through the Unified Biometric System (UBS) until January 1, 2023. In addition, it is proposed to allow banks to provide services through the EBS in only one channel….
The Ministry of Economy of the Russian Federation and the office of First Deputy Prime Minister Andrei Belousov are working on measures to support business during the coronavirus pandemic, which are planned to be presented on October 20 at a meeting with Russian President Vladimir Putin. Among the measures – the extension of the payroll 3.0 state loan program for wages, Forbes reports, citing a business representative and a source in the relevant department. Earlier this was reported in the VPost Telegram channel, which is conducted by journalists of the VTimes publication announced by the foreign media and the closed publication. The FOT 3.0 program is designed to save jobs at enterprises. It provides for the issuance of loans at a rate of 3% up to RUB 500 million. under the condition that the employer retains at least 90% of jobs. “Now the government is preparing changes to the payroll 3.0 program, but there is also an option to simply resume it. The second option: for those who have already started their first repayments, they can introduce another deferral for payments. Time is short, everything is literally being worked out on the knee, “- said the departmental….
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Microfinance organizations are systematically increasing the volume of lending to small and medium-sized businesses. In the first half of 2021, they issued RUB 23.2 billion. loans, exceeding the indicators of previous years by 20%. At the same time, SMEs are a risky segment with small checks, and the risks have to be compensated for by high rates and low approval levels. …
In September 2021, banks issued 1.17 million consumer loans for 362.6 billion rubles. This is almost 7% less than it was in August, according to the credit bureau Equifax. “The main reasons are two: the increase in the key rate, which led to an increase in nominal consumer lending rates, and the tightening of regulatory rhetoric in the market aimed at limiting issuing unsecured loans, “- said the head of the bureau Oleg Lagutkin (quoted by TASS). Earlier, the head of the Central Bank Elvira Nabiullina said that the regulator wants to impose a direct restriction on the issuance of consumer loans for banks. According to her, the Bank of Russia cannot “turn a blind eye to how quickly demand is growing now.” This accelerates inflation, and also worries the regulator in terms of social and financial stability. It is assumed that the limit will be revised every three months. About new levers of pressure on banks – in the material “Kommersant FM” “Consumer credits are brought to the limits.” …