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“Alpha Bank”: to borrow force the Russians poverty and unemployment
Russians often take out loans in regions where high unemployment

The debt burden of the population by nepotisim credits maximum in regions with more poor people and high unemployment, this conclusion in his study of come “Alfa-Bank”.

Citizens with high income are reluctant to take out loans, the Bank considers. The average borrower in Russia, is a person with a low income and tight budget constraints, says the report of the Bank.

Experts analyzed all regions of Russia by volumes pipetech loans per capita to the average wage. Among the “perekreditovanija” regions got the Altay, Tyumen, Moscow oblast, Bashkiria and others.

Among the “nedorabotannaya” regions were Moscow, Saint-Petersburg, the Leningrad region.

The Bank has estimated that “perekreditovanija” regions of Russia the average unemployment rate is 6.3%, which is above the average level in Russia at 5.9% according to 2015. In regions where the debt burden on the population is low, the average unemployment rate is 4.7%.

In the regions, the inhabitants of which took a lot of loans, the share of the population with incomes below the subsistence minimum amounted to 14.3%. On average in Russia this figure is 13%, and “nedorabotannaya” regions 11.8 percent.

“These figures belie the fact that the main source of growth in demand for retail lending in Russia may be middle class,” write the economists of Alfa-Bank. In fact, people take out loans to smooth out the dynamics of their income.

The Bank warned about the risks in Perm, Omsk and Kemerovo regions and the Altai territory and Udmurt Republic. The debt level is high, and the population is ready to continue to go into debt because of the deteriorating macroeconomic situation. Banks can suffer losses on loans in these regions.

Retail lending is divided into two kinds – the mortgage and nepochetnoe. Mortgage lending in Russia is developed poorly, in terms of this market, the country lags behind other countries of Eastern Europe. But nepochetnoe lending in 2000-ies grew rapidly.

This has led to an increase in the share of overdue debt and “bad loans” which had to write off banks.

In General, the dynamics deeptechno retail lending remains weak. Economists attribute this to the fears of the banks due to the reduction of incomes and the decrease in the activity in Russia of large foreign banks. Now, according to “Alfa-Bank”, of all possible types pipetech loans best dynamics shows the credit card market.

 

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