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Банки в 2017 году продали коллекторам только старые долги

В 2017 году банки продали коллекторским агентствам почти на четверть меньше просроченной задолженности, чем годом ранее. Новые долги кредиторы предпочитали взыскивать сами, а коллекторам продавали накопленные просрочки. При этом треть проданных долгов не превышает 20 тыс. рублей, что значительно увеличивает для коллекторов себестоимость взыскания и снижает маржу, пишет «Коммерсант».

По оценке объединенной компании «Национальная служба взыскания / Первое коллекторское бюро» (НСВ/ПКБ), за период 2012—2017 годов суммарный объем выкупленной у банков задолженности достиг 1,5 трлн рублей. В 2017 году объем цессионных сделок сократился на четверть по сравнению с 2016 годом и составил 360 млрд рублей, средняя цена закрытия сделок выросла более чем в 1,5 раза до 1,4% от объема долгов. При этом, по оценке аналитиков компании ЭОС, объем купленных портфелей на первичном рынке (долги, покупаемые непосредственно у кредитора) составил 280 млрд рублей, жизненный цикл портфеля в работе у первого покупателя составляет примерно два года.

В 2017 году отмечалась тенденция роста объема продаж в сегментах с небольшими суммами долга, до 20 тыс. рублей, с 24% до 33%. Объем продаж во всех средних сегментах показал снижение. Среди крупных долгов, свыше 500 тыс. рублей, преобладают ипотечные кредиты и ссуды малому и среднему бизнесу. Их доля незначительно увеличилась и составила около 6% от всего объема проданных долгов.

«В прошлом году банки начали активно продавать долги по POS-кредитам и кредитным картам, — говорит управляющий директор объединенной компании НСВ/ПКБ Павел Михмель. — Для коллекторов работа с такими долгами более трудоемкая, особенно с учетом роста доли судебного взыскания, к тому же затраты на взыскание долгов в среднем одинаковы, а маржа на небольших долгах значительно ниже».

При этом доля молодых долгов (с просрочкой до двух лет) в прошлом году в общем объеме продаж существенно снизилась, на 15 процентных пунктов (п. п.), до 21%, просроченных на два-три года увеличилась незначительно, на 6 п. п., до 29%, доля старых (три-четыре года) показала прирост на 10 п. п. до 25%, на долги с просрочкой свыше четырех лет приходится 25%.

В этом году коллекторы ожидают роста числа и объемов сделок на фоне разморозки розничного кредитования и повышения доходности бизнеса.

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