The rector of the Financial University under the Government of the Russian Federation Alexey Prong commented on the decision, saying that the authorities and banks need to develop a joint strategy for dealing with debtors.
With 446 thousand soums ($47) to 1.1 million (117 dollars) increased the threshold of debt for a ban on travel over the border into neighboring Uzbekistan. Changes have been made in the regulations on the procedure of interaction of the Bureau of enforcement, Ministry of internal Affairs and Border troops of the restriction of travel abroad debtors.
According to experts, $ 100 isn’t enough.
It greatly reduces the exit flow
This situation, when banks use the state as the collector and the government pulls back from the struggle with malicious defaulters, doctor of economic Sciences considers inefficient.
– Government and business should work together. On the one hand, banks should not use the state as a collector. But the state should not shift the responsibility for combating crimes at banks.
Need to find a balanced approach that will not kill the banking system
If the government pulls back from the struggle with malicious defaulters, this will mean that the requirements for borrowers will become tougher. Comes to the fact that including the normal people will not be able to get a loan. In addition, their cost will increase. It will have a negative impact on the economy, since it is known that
lending is one of the drivers of economic growth
Alex Barb believes that tough measures against people who do not fulfill their obligations, can also be excessive.
Some do not pay because they just don’t want to. Others can’t, because he was in a difficult situation — for example, lost work.
– In Russia, people who find themselves in difficult situations, can take
“mortgage holidays”, assuming a six-month grace period
At this time, you can suspend mortgage payments or reduce their size. During this period, a ban on the withdrawal of pledged single housing of the borrower.
“Mortgage holidays” in this context — the right measure — the expert believes.