Banks have access to the data of the Pension Fund of Russia (PFR) on pension contributions, said the President of Association of regional banks Anatoly Aksakov at a meeting of bankers in boarding house “Bor”, the correspondent . Until now access was only by three banks — Sberbank, Gazprombank and VTB.
According to Aksakov, now he is all banks. Information they can get through the portal of public services. “The borrower when you log in to your personal account by entering the password, confirms that gives the Bank access to data about themselves. Sberbank, Gazprombank and VTB, who have a special access conditions, will gradually move to the same model,” he explained.
That banks get access to data on pension contributions, from which we can draw conclusions about the revenues reported in October last year, Deputy Minister of communications Alexey Kozyrev on the forum Finopolis in Kazan. He said that already at that time the Ministry of communications, the FIU and the market participants (which, Kozyrev didn’t specify) has developed a technology with which “the Bank itself will be able to request, and the man could only confirm that he agrees to provide information”. However, he said that the technology will be available to banks in late 2016.
More data for banks
At the meeting the bankers, Central Bank Deputy head Olga Skorobogatova said that in the foreseeable future, banks will also have access to databases of other governmental agencies, including the Federal tax service (FNS) and the social insurance Fund (SIF). According to her, initiated a pilot project with several banks.
The Central Bank expects that in 2018, the access to information of these structures will be all banks. “If there is a public resource, it should be available to everyone”, she said.
Bankers interviewed welcomed the banks providing access to government agencies. Information on pension contributions will give the best representation about the financial condition of borrowers, said a member of the Board of the Bank Oleg Vyugin. Director of retail sales of the Bank “UniCredit” Sergey Vyatkin adds that access databases will allow credit institutions a more balanced approach to the issues of lending to individuals and is likely to accelerate the process of making decisions on applications for loans. “Perhaps it will reduce the need for different spravka confirming sufficient level of salary potential borrower,” he says.
Question about SNILS
Banks are trying to simplify your access to the credit history of citizens with which they want to see, before giving them loans. Last autumn the Ministry of Finance has freed banks from the obligation to submit to a credit history Bureau insurance number of the individual customer accounts (SNILS) in the process of requesting their credit histories.
Such a duty was to appear at them from 1 January 2017, in the framework of the law 189-FZ dated 28 June 2014 (on amendments to the law “On credit histories” and certain legislative acts). The banks feared that if the process of negotiations with potential borrowers from them will require not only a passport, but social security number, which citizens often don’t remember, it will cause frustration and reduce the demand for consumer credit.
As explained President of the Association of Russian banks Garegin Tosunyan, if the Bank becomes the new borrower, to request his credit history, the Bank requires the consent of the client and then the client requested a social security number. But in relation to the previously referred clients to the Bank no data on SNILS and they are not entitled to require the applicable borrowers to provide this information. “Not having data on social security number, the Bank, in accordance with the law will not be able from 1 January 2017 to request from the BCI current credit history of such customers”, — he was afraid.
If banks can obtain information about SNILS from the FIU, and not from clients, this will significantly simplify the work with borrowers.