Currently, a mechanism for banks to obtain data on the income of Russians from the Federal tax service.
Banks have sought access to tax information of borrowers. As found “Izvestia”, the decision was taken at a closed meeting in the Ministry of Finance, Federal tax service (FTS) and commercial banks. About this “news” have told at once some participants of the event. According to interlocutors of “Izvestia”, currently developing the scheme of access of banks to base on to confirm borrowers ‘ income (for reference 2-NDFL).
As told by the participants of the closed meeting, based on the scheme for banks to obtain information about borrowers ‘ income from the Pension Fund (PFR) via SMS. As told one of the bankers, by obtaining data from the FIU has developed a draft government decree, which approved by the Ministry of Finance and will soon go to the government. According to the interlocutor of “Izvestia”, the mechanism of interaction of banks with the FTS will operate by analogy, but in its development it is necessary to consider a number of nuances.
— The decision about the technical details of obtaining information from banks on taken at a meeting at the Finance Ministry, ” confirmed Chairman of the National financial markets Council (NSFR) Andrey Emelin. — System of personal accounts of Russians in SPPs and on the website of the Tax service vary. Data from the PFR available on the portal of public services, and reference 2-pit no. Now we discuss the possible formats for the transmission of information from FNS banks. One option is through the system of interdepartmental electronic interaction (SIEI), created in the framework of implementation of the law on public services.
The bankers are already at least two years trying to obtain access to the databases of the FIU and the FTS. Active discussion of the need for the adoption of 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 support in principle for the regulator, the problem has moved forward only in June 2015. Then started a pilot project of granting banks access to pension accounts of Russians using public services portal (it is supervised by the Ministry of communications, FIU, Central Bank, NSFR). Now there are 32 banks, the scheme for obtaining information on the income of borrowers from the PFR athleteswives. And access to the database, on the banks is still not there — despite the agreement in principle of the Central Bank on this issue.
The logic of bankers seeking the most 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 for loan repayment.
— In world practice as one of the mechanisms to reduce credit risk is widely used to provide financial organizations with the ability to quickly obtain information about officially confirmed incomes of borrowers using the data of the tax and pension accounting — specifies Andrei Yemelin.
According to first Deputy Director of the security Department of the Bank ABO Pugaeva, the FTS is a service for obtaining information on the income of natural persons for reference 2-pit, which is registered in the test environment SMEV 3.0. However, this service is designed to ensure interoperability solely of the Executive branch.
— So, service not available in SPPs (for individuals) and, consequently, not available for financial institutions, explained ABO Pugoev.
According to the representative of the Bank, to obtain the most accurate data on the income of physical persons of financial organizations interested to obtain relevant information directly from the FTS, even if not through direct access.
— There is a practical mechanism for obtaining a reference identical to the project of the Ministry of communications — FIU, — the representative of the Bank. — However, while an accurate understanding of the relevance of the certificate 2-pit in the Bank there. That is, if the credit institution asked the customer, for example, on may 18 this year, for what month — March and April — help should be? It is necessary to clarify how topical the information.
According to the Deputy Chairman of Loko-Bank Andrey Luchina, to copy the mechanism of the FIU, working in pilot mode, is unlikely to succeed and will have to create the project under a separate infrastructure that will increase costs of market participants.
The banker is not sure that the innovation will help to reduce interest rates on loans, as in the formation of credit policy banks rely more heavily on General market conditions and on the level of the key rate (now 11%). Now attractive rates on consumer credits are at the level of 16-25% per annum.
— How the ability to validate data on the income of borrowers may affect the availability of credit, it’s hard to say, especially since the granting or refusal by the borrower may not serve as a reason for the refusal of the grant of the loan, — said Andrey lyushin.
