Having access to data on the income of borrowers in the Pension Fund, banks began to get close to the base of the Federal tax service
With access to pension accounts of the Russians, banks took tax help borrowers. As found “Izvestia”, in the near future at the Federal tax service (FTS) will be a closed meeting with representatives of the Ministry of Finance and commercial banks. The meeting will discuss the issue of access of banks to the base of the Federal tax service for income verification of borrowers (reference 2-NDFL). Bankers claim that access to the database of the Federal tax service in addition to existing cooperation with the Pension Fund of Russia (PFR) will significantly reduce the risks of lending. So, during the implementation of innovations of interest rates on consumer credits might go down.
Bankers at least two years trying to get access to the databases of the FIU and the FTS. Active discussion of the need to adopt innovations coming from the autumn of 2014. The Bank of Russia has already supported the sector in the determination to obtain the most accurate information about the income of citizens. But despite their principled support to the regulator, problem solving has moved forward only in June 2015. Then started a pilot project of granting banks access to pension accounts of Russians through the portal of public services (supervised by the Ministry of communications, the FIU, the Central Bank, NFMC). At the moment it involves 32 of the Bank scheme information on the income of borrowers from FIU athleteswives. Her last option as simple as possible.
The borrower submits to the Bank a loan application, portal services the customer receives an SMS prompting you to agree to the request of information about the state of his personal account to the pension Fund. In the case of a positive reply, the Bank receives data from the Foundation for the system of interdepartmental electronic interaction (SMEV).
At the same time, access to the Federal tax service, banks have not, despite such agreement in principle by the Central Bank on this issue. The logic of bankers, seeking the maximum information about potential borrowers, is clear: it is important to reduce the risks of lending. Full access to data on the income of Russians will allow the banks at any time to monitor the financial condition of the borrower, to assess what portion of his income goes to pay off the loan.
— In world practice as one of the measures to reduce the risks of crediting is widely used providing financial institutions the ability to quickly obtain information about officially confirmed incomes of borrowers using the data of tax and pension accounting, said the President of the National Council of the financial market Andrei Yemelin.
According to Andrey Emelina, the reference 2-pit borrowers, banks can obtain through the system of interdepartmental electronic interaction, created in the framework of implementation of the law on state services, that is on the same channel, and in cooperation with the FIU.
The FTS is a service for verification of 2-pit certificates on the website. But it is designed to ensure interoperability solely of the Executive branch.
The Federal tax service and the Ministry of Finance has not responded to the request of “Izvestia”.
— The innovation should have a positive impact on the lending process of banks, — considers the head of projects of the Bank Dmitry Sorokin. — A service for obtaining information about the income of individuals from the FTS can be a good addition to the existing service from FIU. The main advantage of the FTS service is obtaining information on the income of individuals according to the reference 2-pit. The presence help relieve the banks from carrying out a reverse calculation of the specified amount of insurance premiums in the extract from the FIU in order to learn the amount of the monthly income of the client. It is also expected that the frequency of updates of information about revenues in FTS will be higher than in a PFR.
According to the Deputy Chairman of LOCKO-Bank Andrey Luchina, now more than ever is the problem of identifying the early stages of loans with signs of fraud, with most of the violations connected with granting by the borrower of false information about his own income.
— Last year such loans were granted by banks over 596 thousand, which is approximately 2.3% of total loans in 2015, said the Deputy Chairman of LOCKO-Bank. — It’s not just about obviously non-refundable loans, excluding loans obtained without intent to commit illegal acts, but using false information about income. Banks are extremely limited in the tools to verify the accuracy of borrower information.
According to the Director of the Institute of stock market and management Victor Maganuco, access to data about income when obtaining a loan is convenient not only to banks but also borrowers with “white” salaries.
— This category of customers will be able to make loans without receiving in advance a certificate private income, — says Victor Maydanyuk. But before you open the access of banks to the base of the Federal tax service, it is necessary to think very well technology of information protection of these resources as well as accountability of the financial institution for the correct use of the information received.
According to Victor Maganuco, there is a serious risk of confidential data on the income of citizens in open access.
— Also need to work out a system of receiving FNS permission from the citizens for the transfer of personal data banks, — the expert believes. In accordance with the law “On personal data protection” consent to personal data processing must be specific, informed and conscious. This means that the borrower will have to confirm the permission for the transfer of personal data Bank which should contain detailed information about all the possible purposes for using them.
