Клиенты МФО меньше берут в долг на повседневные нужды

Клиенты МФО меньше берут в долг на повседневные нужды

Фото:
Евгений Павленко /

Коммерсантъ

Более трети всех займов в микрофинансовых организациях (МФО) люди берут для оплаты повседневных расходов. Однако во второй половине прошлого года наметился незначительный сдвиг в пользу займов на серьезные цели (ремонт, отдых, лечение). По мнению экспертов, заемщики стали осторожнее относиться к тратам и предпочитают скорее экономить, чем жить взаймы. При этом недоступность банковских кредитов вынуждает занимать у МФО даже на крупные приобретения.

Портал Zaim.com проанализировал 100 тыс. заявок клиентов различных микрофинансовых организаций (МФО) и выявил основные цели получения займов. По данным портала, в большинстве случаев граждане берут деньги на оплату повседневных нужд (покупку еды и одежды, проезд) — 38%, на втором месте оплата медицинских услуг — 13%. Также заемщики берут в долг, чтобы заплатить за развлечения (9%) и путешествия (5%). Самыми последними в списке оказались расходы на образование — лишь 4% заемщиков требуются средства на эти цели. Участники рынка подтверждают, что основная доля займов приходится на оплату текущих расходов. «По данным нашего аналитического центра, наиболее популярные цели займов — оплата повседневных нужд. Для этого занимают деньги 30,5% от общего числа клиентов»,— говорит гендиректор сервиса онлайн-займов «Робот Займер» Сергей Седов.

Однако в последнее время наметилась тенденция снижения доли займов на повседневные нужды. По словам генерального директора сервиса онлайн-кредитования MoneyMan Бориса Батина, к концу прошлого года число клиентов, которые брали денежные средства на неотложные нужды (транспортные расходы, приобретение товаров первой необходимости), снизилось с 43,4% до 41,7%. При этом, по данным MoneyMan, выросло количество займов в таких сегментах, как приобретение бытовой техники и электроники, расходы на автомобиль и займы на путешествия. «В 2016 году мы отметили снижение доли клиентов, получающих займы для ежедневных расходов,— говорит управляющий директор сервиса онлайн-кредитования «Е заем» Лига Трупа.— Немного выросли доли таких целей, как ремонт дома и автомобиля, покупка бытовой техники и других вещей, думаю, в этом году тенденция усилится».

Эксперты отмечают, что граждане стали тщательнее анализировать свою потребность в деньгах, не предвидя перспектив роста доходов, и не брать займы на краткосрочные цели. По мнению заместителя директора СРО микрофинансовых организаций МиР Андрея Паранича, когда человек ограничен в средствах, «он старается в условиях снижения реальных доходов более внимательно относиться к своим тратам, в том числе к затратам на кредитование». «Когда нет определенной перспективы роста доходов, жить взаймы становится слишком рискованно,— отмечает аналитик ИК «Алор» Кирилл Яковенко.— Сейчас даже те, кто при снижении доходов был готов сохранять расходы на прежнем уровне за счет микрозаймов, переходят в режим экономии».

Более существенные траты, такие как ремонт, лечение, покупка техники, традиционно осуществлялись за счет кредитов. Но сейчас очень немногие клиенты могут с учетом ужесточения рисков получить одобрение в банке, указывают эксперты. «Необходимость вынуждает занимать средства даже на сравнительно серьезные траты у МФО,— продолжает господин Яковенко.— Однако микрозаймы гораздо дороже, чем банковские кредиты, и традиционно берутся на короткий срок. Увеличение их использования на долгосрочные цели может быть чревато тем, что заемщик переоценит свои силы и не сможет погасить ссуду». По оценкам участников рынка микрофинансирования, средний размер займа физлиц в МФО составляет 11-12 тыс. руб. сроком на 22 дня. Однако есть категории, где суммы более существенные,— так, например, по займам наличными (требуют личного похода в офис МФО) средняя сумма займа составляет 37 тыс. руб., свидетельствуют данные Zaim.com.

Источник: kommersant.ru

cript>

128 комментариев

You really make it seem so easy with your presentation but I find this topic to be really something which I think I would never understand. It seems too complex and extremely broad for me. I’m looking forward for your next post, I’ll try to get the hang of it!|

Fantastic beat ! I would like to apprentice while you amend your web site, how can i subscribe for a blog website? The account helped me a acceptable deal. I had been a little bit acquainted of this your broadcast provided bright clear idea|

Whats up very nice web site!! Guy .. Beautiful .. Superb .. I will bookmark your web site and take the feeds additionally? I am happy to find so many useful information right here in the publish, we need work out extra techniques in this regard, thanks for sharing. . . . . .|

I simply could not depart your web site before suggesting that I actually enjoyed the usual info an individual provide in your visitors? Is going to be back ceaselessly in order to investigate cross-check new posts|

An interesting discussion is worth comment. I think that you should write more on this topic, it may not be a taboo subject but generally people don’t speak about these subjects. To the next! Best wishes!!|

An intriguing discussion is worth comment. I believe that you ought to write more on this subject, it might not be a taboo matter but typically people do not talk about such subjects. To the next! Kind regards!!|

Hi, I do think your web site may be having web browser compatibility issues. Whenever I look at your blog in Safari, it looks fine but when opening in IE, it has some overlapping issues. I merely wanted to give you a quick heads up! Other than that, excellent site!|

Hello there! This blog post could not be written any better! Looking at this post reminds me of my previous roommate! He constantly kept preaching about this. I am going to forward this post to him. Fairly certain he’ll have a very good read. I appreciate you for sharing!|

Hmm it seems like your blog ate my first comment (it was super long) so I guess I’ll just sum it up what I submitted and say, I’m thoroughly enjoying your blog. I as well am an aspiring blog blogger but I’m still new to everything. Do you have any points for rookie blog writers? I’d really appreciate it.|

Have you ever thought about publishing an ebook or guest authoring on other blogs? I have a blog based on the same information you discuss and would really like to have you share some stories/information. I know my readers would enjoy your work. If you’re even remotely interested, feel free to shoot me an e-mail.|

Write more, thats all I have to say. Literally, it seems as though you relied on the video to make your point. You clearly know what youre talking about, why throw away your intelligence on just posting videos to your weblog when you could be giving us something enlightening to read?|

Have you ever considered publishing an ebook or guest authoring on other websites? I have a blog based on the same subjects you discuss and would love to have you share some stories/information. I know my viewers would appreciate your work. If you are even remotely interested, feel free to shoot me an e-mail.|

Hey! I could have sworn I’ve been to this blog before but after checking through some of the post I realized it’s new to me. Anyways, I’m definitely delighted I found it and I’ll be book-marking and checking back frequently!|

Woah! I’m really digging the template/theme of this blog. It’s simple, yet effective. A lot of times it’s very hard to get that «perfect balance» between usability and appearance. I must say you’ve done a excellent job with this. In addition, the blog loads extremely quick for me on Safari. Outstanding Blog!|

Woah! I’m really digging the template/theme of this blog. It’s simple, yet effective. A lot of times it’s challenging to get that «perfect balance» between usability and visual appeal. I must say that you’ve done a excellent job with this. Additionally, the blog loads very quick for me on Firefox. Superb Blog!|

I think everything wrote was actually very reasonable. But, consider this, what if you added a little content? I ain’t saying your content is not solid, but suppose you added a title that makes people want more? I mean %BLOG_TITLE% is a little boring. You might peek at Yahoo’s front page and note how they create news headlines to grab viewers to click. You might try adding a video or a pic or two to get people interested about what you’ve got to say. Just my opinion, it might bring your posts a little livelier.|

Thanks for a marvelous posting! I really enjoyed reading it, you can be a great author.I will make sure to bookmark your blog and will come back down the road. I want to encourage that you continue your great posts, have a nice weekend!|

Great post. I used to be checking constantly this blog and I’m inspired! Extremely helpful info specifically the ultimate part 🙂 I take care of such info much. I was seeking this particular information for a long time. Thanks and good luck. |

I’m really impressed with your writing talents as neatly as with the layout in your blog. Is this a paid theme or did you modify it your self? Either way stay up the excellent quality writing, it’s rare to peer a nice weblog like this one these days..|

I’m extremely inspired along with your writing abilities and also with the format in your weblog. Is this a paid subject or did you modify it yourself? Anyway keep up the nice high quality writing, it is uncommon to see a great blog like this one these days..|

Appreciating the time and effort you put into your site and in depth information you present. It’s great to come across a blog every once in a while that isn’t the same old rehashed information. Fantastic read! I’ve saved your site and I’m including your RSS feeds to my Google account.|

Appreciating the hard work you put into your blog and in depth information you present. It’s awesome to come across a blog every once in a while that isn’t the same outdated rehashed material. Excellent read! I’ve saved your site and I’m including your RSS feeds to my Google account.|

After I originally commented I appear to have clicked the -Notify me when new comments are added- checkbox and from now on every time a comment is added I receive 4 emails with the same comment. Perhaps there is a way you can remove me from that service? Thanks!|

Does your site have a contact page? I’m having a tough time locating it but, I’d like to shoot you an email. I’ve got some ideas for your blog you might be interested in hearing. Either way, great site and I look forward to seeing it expand over time.|

Howdy would you mind letting me know which web host you’re utilizing? I’ve loaded your blog in 3 completely different internet browsers and I must say this blog loads a lot quicker then most. Can you suggest a good web hosting provider at a honest price? Kudos, I appreciate it!|

Write more, thats all I have to say. Literally, it seems as though you relied on the video to make your point. You definitely know what youre talking about, why waste your intelligence on just posting videos to your blog when you could be giving us something informative to read?|

Hello would you mind letting me know which webhost you’re using? I’ve loaded your blog in 3 different internet browsers and I must say this blog loads a lot quicker then most. Can you suggest a good internet hosting provider at a reasonable price? Thank you, I appreciate it!|

Hey there! This post couldn’t be written any better! Reading this post reminds me of my previous room mate! He always kept talking about this. I will forward this page to him. Pretty sure he will have a good read. Thank you for sharing!|

I think that everything published was very logical. But, what about this? what if you were to write a killer headline? I ain’t saying your information is not solid, but what if you added a title that makes people desire more? I mean %BLOG_TITLE% is a little vanilla. You should glance at Yahoo’s home page and watch how they create post titles to grab viewers interested. You might add a related video or a related picture or two to get readers interested about everything’ve written. Just my opinion, it could make your website a little livelier.|

Can I simply say what a comfort to find somebody that actually knows what they’re talking about on the net. You definitely realize how to bring an issue to light and make it important. More people need to read this and understand this side of your story. I can’t believe you aren’t more popular given that you most certainly have the gift.|

I am extremely inspired together with your writing talents and also with the layout for your weblog. Is this a paid subject matter or did you customize it yourself? Anyway keep up the nice high quality writing, it’s uncommon to peer a great weblog like this one today..|

I think that is among the such a lot important information for me. And i am happy studying your article. But should observation on some normal issues, The website taste is ideal, the articles is in point of fact great : D. Good task, cheers|

Do you mind if I quote a couple of your articles as long as I provide credit and sources back to your blog? My website is in the exact same area of interest as yours and my visitors would truly benefit from a lot of the information you present here. Please let me know if this alright with you. Many thanks!|

Hey excellent blog! Does running a blog like this require a large amount
of work? I’ve no expertise in computer programming however I
had been hoping to start my own blog in the near future.

Anyway, should you have any suggestions or techniques for new blog owners please share.

I understand this is off topic however I just needed to ask.

Many thanks!

Have you ever considered about adding a little bit more than just your articles? I mean, what you say is important and all. Nevertheless just imagine if you added some great pictures or video clips to give your posts more, «pop»! Your content is excellent but with images and clips, this site could certainly be one of the very best in its field. Awesome blog!|

What i don’t realize is in truth how you’re now not really a
lot more neatly-liked than you may be right now. You are very intelligent.
You know thus considerably with regards to this topic,
made me in my view consider it from numerous numerous angles.
Its like women and men are not involved except it’s something
to accomplish with Lady gaga! Your individual stuffs great.
At all times deal with it up!

An outstanding share! I’ve just forwarded this onto a colleague who was conducting a little research on this. And he in fact ordered me dinner due to the fact that I found it for him… lol. So let me reword this…. Thanks for the meal!! But yeah, thanx for spending the time to discuss this issue here on your internet site.|

I have to thank you for the efforts you have put
in writing this site. I really hope to view the same high-grade content from you later on as well.
In truth, your creative writing abilities has encouraged me to get my own, personal website now 😉

What you said made a lot of sense. However, what about this? what if you wrote a catchier post title? I am not suggesting your information is not solid., but what if you added something that grabbed people’s attention? I mean %BLOG_TITLE% is kinda vanilla. You ought to glance at Yahoo’s home page and see how they create news headlines to grab people to open the links. You might try adding a video or a related picture or two to get people interested about everything’ve written. In my opinion, it might bring your website a little livelier.|

Hi just wanted to give you a brief heads up and let you know a few of the pictures aren’t loading properly.
I’m not sure why but I think its a linking issue. I’ve tried
it in two different web browsers and both show the same results.

Just want to say your article is as amazing.
The clearness to your put up is just nice and that i can think you’re a professional
in this subject. Fine along with your permission allow me to grasp your RSS feed to stay updated with drawing close post.
Thank you a million and please continue the enjoyable work.

After going over a number of the blog articles on your web site, I really appreciate
your way of blogging. I book-marked it to my bookmark site list
and will be checking back soon. Take a look at my web site as well
and tell me how you feel.

Good day! I know this is kinda off topic nevertheless I’d figured I’d ask.
Would you be interested in trading links or maybe guest writing a blog post or vice-versa?
My site addresses a lot of the same subjects as yours and I believe we could
greatly benefit from each other. If you are interested feel free to shoot me an e-mail.

I look forward to hearing from you! Terrific blog by
the way!

After checking out a few of the blog posts on your site, I really like your way of blogging.
I saved as a favorite it to my bookmark website list
and will be checking back in the near future. Please visit
my website as well and tell me how you feel.

I’m impressed, I must say. Seldom do I come across a blog that’s both equally educative and interesting, and without a doubt, you have hit the nail on the head.
The problem is something that not enough folks are speaking intelligently about.

I am very happy that I stumbled across this during my
hunt for something concerning this.

Добавить комментарий

*