Инвестиционный салон

Что ждет украинский рынок небанковского кредитования в будущем?

В последнее время сектор небанковского кредитования в Украине развивается очень быстрыми темпами. Только за 2015 год количество ломбардов выросло на 37%, а организаций микрокредитования — на 100%. Несмотря на то что подобные финансовые организации предлагают высокие процентные ставки по кредитам (порой эта сумма достигает 180%) они все равно пользуются спросом. Этому есть простое объяснение — сегмент небанковского кредитования отлично работает там, где нужны более быстрые и рискованные решения. В этом его основное преимущество перед банковской сферой.

В связи с этим, появились разговоры, что вскоре этот сектор сможет полностью занять нишу кредитования физических лиц. Так ли это и что в будущем ждет украинский рынок небанковского кредитования, нам рассказали эксперты, работающие в данной отрасли.

Юрий Костоглодов, управляющий партнер инвестиционной компании Icom-Capital.

- В последнее время сектор небанковского кредитования в Украине стремительно растет. С чем связана эта тенденция?

Это закономерность, глобальный мировой тренд, который пришел в Украину. Банковская сфера и сектор небанковского кредитования развиваются параллельно и отлично существуют вместе. Для примера, если вам нужно быстро купить хлеб, то вы идете в магазин возле дома, если вам нужно делать покупки — вы идете в супермаркет. То есть спрос и на те, и на другие услуги был, есть и никуда не денется.
С другой стороны, в Украине существует специфический тренд — чем слабее ситуация в банковской сфере, тем быстрее развиваются ломбарды и финансовые компании. Кредитование физических лиц в банках падает — кредитование ломбардами растет более быстрыми темпами. Банки восстанавливаются — темпы роста кредитования ломбардами снижаются. Это не говорит о полном отсутствии роста, только о снижении темпов: расти сектору небанковского кредитования в Украине еще есть куда.
- В процентом соотношении на данный момент, сколько кредитов выдается банками, а сколько ломбардами и финансовыми организациями?
Доля банков в кредитовании физических лиц составляет 95%, а сегмента небанковского кредитования — 5%.  Кредитный портфель ломбардов в Украине — 7 миллиардов  гривен, банков — 160 миллиардов гривен. Банковский сектор на порядки масштабней небанковского кредитования, и даже в условиях кризиса его роль в кредитовании физических лиц — доминирующая.

- Каковы перспективы развития сектора небанковского кредитования?
В Украине ломбардами и финансовыми компаниями выдано 10 долларов на душу населения для всей Украины. В Европе эта цифра достигла 10 тысяч евро. То есть, как вы видите, это только самое начало развития. Украинский сектор небанковского кредитования имеет возможность интенсивно расти еще 1,5-2 года, пока банковская система в стране не восстановится, а объем кредитования физических лиц не увеличится до уровня 2010-2011 года.
В Европе и США на сегодняшний день наметилась такая тенденция  —  финансовые организации превращаются в виртуальные финансовые супермаркеты. Это явление получило название «концепт ATAWAD» (anytime, anywhere, anydeviсe). У людей есть потребность иметь доступ к финансовому сервису постоянно — anytime, в любом месте, где бы они не находились, — anywhere и с любого устройства — anydeviсe.
В будущем, я думаю, эта глобальная тенденция дойдет в полном масштабе и до Украины. И в выигрыше будут наиболее технологичные компании, которые предложат какие-то новые финансовые решения.

Антон Хольченков, учредитель финансовой компании «Легкі гроші»
- Существует мнение, что будущее за технологичными финансовыми компаниями. Подтверждает ли это ваш опыт?
Мы знаем о том, что будущее за инновационными финансовыми организациями и стремимся к этому. Но на данном этапе есть определенные преграды. Например, наша первоочередная задача на сегодняшний день — полностью уйти от человеческого фактора в принятии решений по кредитам. Для этого нам нужно создать форму, которую человек бы заполнял в интернете, и система сама решала, стоит выдавать ему кредит или нет.
Чтобы добиться такого результата, нужно усложнить саму анкету, а это означает, что количество людей, которые смогут осилить её заполнение, резко уменьшится. Создать такую форму, которая будет давать заемщикам подсказки, — очень непросто, и это, наверное, верх мастерства. Мы сейчас активно над этим работаем.

- Какие еще проблемы существуют на рынке небанковского кредитования сегодня?
Наверное, самая глобальная проблема, которая существует на сегодняшний момент, — это отсутствие баз данных. Мы хотим быть технологичными и полностью оцифровать процесс выдачи кредитов, но  не можем этого сделать в связи с ситуацией в стране.
В Украине нет глобальных баз данных, с которыми можно было работать. Кроме того, большинство людей трудоустроены неофициально, а все зарплаты выплачиваются «в черную». Человек может работать нелегально и при этом быть платежеспособным, но когда нужно будет заполнять анкету в цифровом виде, что он будет писать? А главное, как анкета сможет вычислить, говорит ли правду заемщик, если это никак нельзя проверить? Вот и получается, что либо будет большое количество отказов и маленькое КПД, либо же будет большое количество выдач и маленькое количество возвратов. Как видите, украинский рынок микрокредитования еще не готов к такой оцифрованной системе.

- Эта ситуация может как-то разрешится в будущем?
Украина переходит к электронным паспортам. И будем надеяться, что в будущем появятся базы данных, из которых мы сможем брать информацию о том, какая у человека недвижимость, какой автотранспорт, какая кредитная история и так далее. И уже, исходя из этих данных, мы сможем понимать, насколько человек платежеспособен.

http://e-news.com.ua/show/405357.html

 

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