How crediting after crisis will change?

How crediting after crisis will change?

How crediting after crisis will change?

Far not many banks decide to finance today the population. The matter is that financial instability of the last, and as the various crisis phenomena continually overtaking the country. However all is at present undertaken possible to revive the crediting sphere.

First of all, promotes achievement of this purpose of diligence of banks. They strenuously get rid of "problem" credit portfolios to release the assets for granting the new, favorable credits. For its part helps it and the state, once again reducing discount rate.

Traditionally, the competition to banks is created by the companies providing the consumer credits and money on credit by cash. It stimulates them to the fastest development of lines of credit. However, it is not necessary to expect that banks will finance again, as till 2008. Already now we see that they became very selective in questions of credit and labor reputation of the borrower. In the near future cardinal changes here it is not expected. Therefore the credit organizations, known to us today, also will continue to rescue further those whom banks left "out of work".

What changes are waited from banks in the foreseeable future by experts? Considering that fact that only quite recently interest rates on the credits began to fall and came nearer to the optimum value which is not bearing threats to the bank sphere, the majority of experts predicts further decrease. Thus profitability of deposits will quicker fall, than cost of proceeds of credit. It is quite probable that thus, though very slowly, we will come nearer to "standards" of Europe where profitability of depositary deposits gives the chance not to increase, but to keep the capital at small rate fluctuation of national currency. However, and the credits there, in comparison with ours, in times are cheaper!

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