How users get credits in social networks
Irina Yuzbekova .
Market mutual crediting of individuals (assuming the issuance of the citizens loans independent of each other) is growing, thanks to the emergence of many Internet services that enable inexpensive take up to 300-500 thousand rubles. without references and guarantors the same day. Services help citizens assess the reliability of each other, get a commission for it, but the guarantees are generally not allowed. In June, a platform for lending in social networks the company has launched “Vebtransfer Finance”, the owners of which one year ago was excluded from the register of microfinance organizations.
Фото: Getty Images/Fotobank
Reliability on the avatar
Site Webtransfer-finance.com, positioning itself as a social network for the issuance of credits earned in RuNet in June 2014. To register, it requires an account with one of the most popular social networks – Facebook, Twitter, Google+, «VKontakte”, “Classmates” and “My World.” With Webtransfer some users of social networks can extend loans to other users.
The rate on the loan determines the one who wants to give money to loan, the minimum – 0.1%. What would have bet any creditor, it will return the money if the borrower will be unreliable, it compensates for the loan guarantee fund Webtransfer rate of 24% per annum (ie 0.065% per day), told RBC representative Webtransfer Europe to Russia Alexander Zisin.
To qualify, you must complete the application form – select the loan amount, term and interest rate, and then wait for the counter application potential lender. You can repay the loan, adding to an electronic purse in your account and sending the money to the lender in the system.
According Zisin share of defaults on loans is 3.5%. “We are working with collection agencies, but because of the low rate of default and the small size of the amounts due to contact collectors in most cases is not necessary”, – says Zisin.
Sign in Webtransfer can any adult user. On September 30, the number of users of the platform in the world has exceeded 600 thousand. People, half of them – in Russian. The amount of transactions at the end of September amounted to more than $ 2.9 million, the average term of the loan – 9 days, and the average amount of the loan – $ 154 (about 6.1 thousand. Rub.). These data are shown in the appendix to authorized users.
To assess the credit system learns profile in social networks when it was registered as actively used, etc. Mostly borrowers are students and people with incomes of 35-40 thousand. Rub., Who take credit for a week and a half, said Zisin.
The company earns a commission that takes as input and output means, it reaches 2%, depending on payment service ( ” Yandex ” , Qiwi, etc). She also receives payments from partners and users of the service bills.
At the launch of the social network Webtransfer Russian company has invested $ 5 million, said Zisin. He says that all the profits going to spend on the project entry into new regions, mainly in China and India.
Gone from the Central Bank
LLC “Vebtransfer Finance” positions itself as a “daughter “of the American Webtransfer World Wide Group. Ltd. through several offshore companies owned by Belize ” Largo Limited ” – it controls 80.88% of the share capital, is still 19.12% – in Eugene Nezhurina and Artem Erko .
In 2013, owned by the same owners of other company with a similar name – LLC “Vebtransfer Finance (MFI) ” – tried to enter the Russian market with the project “Credit Certificate”: trying to issue the documents, which certify the issuance of the loan by one person to another. After expiry of the loan creditor could he return the money or sell the right to claim the debt to someone else.
“When we first published the concept, Federal Financial Markets Service [FFMS; was abolished at the end of the 2013th, its functions transferred to the Central Bank] accused us of trying to issue securities “- says a representative Webtransfer Europe Alexander Chekhov. But this is not about the security and confirmation of the transaction, he insists. Chekhov gvoorit that the company sent its explanations to the FFMS, but later learned from the press that she was expelled from the register of microfinance institutions ( MFIs) . “Vebtransfer Finance (MFI) “has ceased operations, said Chekhov.
Russians can independently give each other loans and assign the right – it does not contradict the legislation of Russia, said a representative of “Yandex” Eugene Arnautova. According to her, microloans in Russia can be obtained from a plurality of MFIs – they give out loans on a bank account, credit cards or electronic purse, and considers applications very quickly, sometimes within minutes.
For mutual crediting of physical persons in Russia there is no reliable data prevents a company spokesman ” MigKredit ” Dmitry Peas. This company is engaged in the issue of micro-credit, the level of loss-downs for 2013 amounted goroazdo more than declares on his business Webtransfer – 18.6%, Peas said. According to him, the market for MFIs in general, this figure now stands at 24-25%, and the critical level which can lead to bankruptcy – more than 30%.
Mutual crediting of individuals through the Internet sites has been called P2P-lending – in the words of peas, it is not popular: in contrast to the Western countries, the Russians have little trust in not only financial institutions but also to each other.
However, the British P2P- company Zopa share of no return is 0.2%, said the partner of the venture fund Runa Capital Andrey Bliznyuk , invest in Zopa. But the American company Lending Club proportion of no return is greater than 5%; it all depends on the market in which the company operates, says Bliznyuk. According to him, for Russia, 3.5% no return – a very ambitious figure.
In Russia, at the legislative level, the activities of platforms for P2P-lending is not regulated, confirmed RBC representative of the Central Bank. He warned that such projects are increased risks Russians.
P2P-lending is gaining momentum in the world, especially in the United States: it is promoted by low interest rates on deposits, development of IT-infrastructure and high demand for loans, says the director of online services to extend credit MoneyMan.ru Boris Batin. According to him, the competitors Webtransfer ready to give money at lower interest rates.
The global market of P2P-lending in 2013 amounted to $ 5 billion, Russia – 380 million rubles. (About $ 11.93 million), the company evaluated J’son & Partners Consulting. According to the company, the main players in this market are “Vdolg.ru», Billiloan (later the project was canceled), Credberry, Loanberry and WebMoney
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