The share of fraudulent loans in Russia for six months decreased by 15%

For six months, the number of loans with signs of fraud was 525.9 thousand. Compared to the second half of 2016, this indicator decreased by 15.1%, but in relation to the same period in 2016 - increased by more than a third (+34.4%), the National Bureau of credit stories (NBBA) reports .

Loans with signs of fraud are usually called loans for which not a single payment was made within three months from the date of issuance.

High pressure from credit fraudsters for retail lending is preserved, and attackers adapt the strategy, commented on the situation by the general director of NBBA, Alexander Vikulin. They became more careful and prefer to act in the segment of small loans and loans.

Thus, the losses of creditors in monetary terms are reduced. The total volume of such loans in the first half of 2017 decreased by 32.6% compared to the same period in 2016 and amounted to 14.9 billion rubles.

At the same time, the share of loans with signs of fraud in January - June 2017 amounted to 3.0% of the total number of loans issued in this period. This is 0.1 percentage points (p.) More compared to the same period last year.

In the NBKS, they believe that the level of credit fraud in Russia requires not only the joint efforts of creditors and infrastructure institutions of the level of NBBA, but also the preservation of the activity of state bodies.

In particular, we are talking about tightening legislation for credit scammers, as well as the liberalization of creditors access to any data in the databases of state bodies or in open sources that allow the verification of the questionnaire data and identify attempts to deceive the creditor, explains Alexander Vikulin.

This year, the media have already paid attention to the activation of credit scammers. Citizens quickly responded to defrosting by banks of retail lending and began to gain more deliberately irrevocable loans.

Some experts do not exclude the impact on the increase in the number of loans with the signs of fraud of the ongoing process of impoverishing citizens: people who previously capable of paying off debt obligations, taking the next loan, are faced with the impossibility of paying for income.