Роспотребнадзор указал на ключевые риски для потребителей рынка микрофинансовых услуг

Наталья Ключевская

Роспотребнадзор указал на ключевые риски для потребителей рынка микрофинансовых услуг
bakhtiarzein / Depositphotos.com

На официальном сайте службы сегодня появились материалы, посвященные безопасному взаимодействию потребителей с представителями рынка микрофинансовых услуг.

В первом материале приведены советы потребителям, касающиеся необходимости проверки организации, с которой заемщик планирует заключить кредитный договор. В частности, речь идет об обязательной проверке наличия организации в государственном реестре микрофинансовых организаций (МФО) – это можно сделать на сайте Банка России или в специальном электронном справочнике. При этом эксперты предостерегают от взаимодействия с организациями, сотрудники которых хотят выдать кредит очень быстро («не отходя от кассы»). «По закону при обращении за кредитом Вы имеете право знакомиться с условиями кредитного договора в течении пяти дней. За это время у вас есть возможность принять взвешенное решение, изучить памятки и условия договора, посоветоваться с близкими. Вы имеете право попросить выдать Вам подписанные индивидуальные условия кредитования», – подчеркивается в сообщении.

Другие рекомендации посвящены тщательной оценке заемщиком своих доходов и размера ежемесячного платежа по кредиту с учетом процентов, обязательного ознакомления с условиями и тарифами (особенно, если они «размещены где-то на сайте» или «находятся в главном офисе компании»). Также Роспотребнадзор призывает никогда не оформлять микрокредит под залог имущества, которого можно лишиться из-за невозможности вернуть взятый под высокие проценты кредит, а также избегать дополнительных услуг (страховых, юридических, консультационных, медицинских или иных услуг, никак не связанных с оформлением кредита).

Второй материал посвящен анализу основных рисков для потребителей рынка микрофинансовых услуг. Он содержит перечень из 11 таких рисков, в числе которых:

снижение процента положительного решения о выдаче микрозайма МФО, включенными в госреестр и, как следствие, повышение количества обращений к «теневым» МФО; практика легальных МФО, игнорирующая принципы ответственного кредитования и позволяющая предоставить дорогие микрозаймы закредитованным и безработным потребителям; игнорирование потребителями положений договора с МФО или нежелание ознакомиться с ними подробно; использование микрозаймов не только в экстренных случаях, когда срочно необходимы денежные средства, но и для совершения повседневных бытовых расходов; значительный процент потребителей услуг МФО со средним и ниже среднего уровнем финансовой грамотности; недостаточное финансовое планирование, включая отсутствие дополнительных источников погашения микрозаймов, помимо зарплаты; непонимание некоторыми потребителями, что микрозаймы не предназначены для долгосрочных финансовых потребностей; рост неоправданной долговой нагрузки заемщиков из-за начисления высоких процентов по микрозаймам; неправомерное использование персональных данных заемщиков в интернете; растущее количество нелегальных игроков рынка микрофинансирования (превышает число легальных МФО в три раза); увеличение среднего значения полной стоимости кредита, в частности для микрозаймов сроком до 30 дней и на сумму до 30 тыс. руб.

Несмотря на то, что в текущем году Банк России впервые зафиксировал снижение количества обращений потребителей к услугам МФО, их общее количество остается достаточно высоким. Поэтому Роспотребнадзор напоминает о работе горячей линии по вопросам нарушений прав потребителей финансовых услуг (телефон горячей линии +7 (800) 100-29-26). Сотрудники горячей линии в круглосуточном режиме консультируют граждан по вопросам подачи обращений, а также помогают повысить информированность населения о правах потребителей на финансовом рынке.

Источник: garant.ru

199 комментария

Уведомление: therapist website design

Thanks for sharing superb informations. Your web site is very cool. I am impressed by the details that you’ve on this web site. It reveals how nicely you perceive this subject. Bookmarked this web page, will come back for extra articles. You, my pal, ROCK! I found just the information I already searched all over the place and just could not come across. What an ideal website.

Hiya, I am really glad I’ve found this info. Today bloggers publish just about gossips and internet and this is really irritating. A good blog with exciting content, that is what I need. Thank you for keeping this web site, I will be visiting it. Do you do newsletters? Can’t find it.

I used to be very pleased to find this net-site.I needed to thanks on your time for this excellent read!! I definitely enjoying each little bit of it and I have you bookmarked to take a look at new stuff you weblog post.

An impressive share, I just given this onto a colleague who was doing a little analysis on this. And he in fact bought me breakfast because I found it for him.. smile. So let me reword that: Thnx for the treat! But yeah Thnkx for spending the time to discuss this, I feel strongly about it and love reading more on this topic. If possible, as you become expertise, would you mind updating your blog with more details? It is highly helpful for me. Big thumb up for this blog post!

Have you ever considered about including a little bit more than just your articles? I mean, what you say is fundamental and all. But think of if you added some great graphics or video clips to give your posts more, «pop»! Your content is excellent but with pics and videos, this website could certainly be one of the very best in its field. Wonderful blog!

Wonderful blog! I found it while surfing around on Yahoo News. Do you have any suggestions on how to get listed in Yahoo News? I’ve been trying for a while but I never seem to get there! Cheers

Appreciating the commitment you put into your website and in depth information you offer. It’s great to come across a blog every once in a while that isn’t the same outdated rehashed material. Fantastic read! I’ve saved your site and I’m including your RSS feeds to my Google account.

It is appropriate time to make some plans for the future and it is time to be happy. I have read this post and if I could I want to suggest you few interesting things or tips. Maybe you can write next articles referring to this article. I wish to read more things about it!

We are a bunch of volunteers and starting a brand new scheme in our community. Your site provided us with useful information to work on. You’ve performed a formidable activity and our whole neighborhood will be thankful to you.

Simply wanna comment on few general things, The website design and style is perfect, the articles is rattling excellent. «To establish oneself in the world, one has to do all one can to appear established.» by Francois de La Rochefoucauld.

Good web site! I truly love how it is simple on my eyes and the data are well written. I am wondering how I could be notified when a new post has been made. I have subscribed to your RSS which must do the trick! Have a nice day!

Уведомление: ruay

What Is FitSpresso? The effective weight management formula FitSpresso is designed to inherently support weight loss. It is made using a synergistic blend of ingredients chosen especially for their metabolism-boosting and fat-burning features.

What i don’t realize is in fact how you are not actually much more smartly-preferred than you might be right now. You’re so intelligent. You recognize thus significantly when it comes to this topic, made me in my view believe it from so many numerous angles. Its like women and men are not fascinated until it’s something to do with Woman gaga! Your own stuffs great. All the time take care of it up!

Excellent read, I just passed this onto a friend who was doing a little research on that. And he just bought me lunch as I found it for him smile So let me rephrase that: Thank you for lunch!

Merely wanna input on few general things, The website pattern is perfect, the articles is very fantastic. «Drop the question what tomorrow may bring, and count as profit every day that fate allows you.» by Horace.

naturally like your web site but you need to check the spelling on several of your posts. Many of them are rife with spelling problems and I find it very bothersome to tell the truth nevertheless I’ll definitely come back again.

I?¦ve been exploring for a little bit for any high quality articles or weblog posts in this sort of space . Exploring in Yahoo I eventually stumbled upon this site. Reading this information So i am happy to exhibit that I’ve a very excellent uncanny feeling I discovered just what I needed. I most indisputably will make certain to do not forget this web site and provides it a glance regularly.

Undeniably believe that which you said. Your favorite reason appeared to be on the internet the simplest thing to be aware of. I say to you, I certainly get irked while people consider worries that they just don’t know about. You managed to hit the nail upon the top and defined out the whole thing without having side effect , people could take a signal. Will probably be back to get more. Thanks

I’m now not sure the place you’re getting your info, however good topic. I must spend a while finding out much more or figuring out more. Thanks for magnificent info I was in search of this information for my mission.

You could certainly see your enthusiasm in the work you write. The world hopes for more passionate writers like you who aren’t afraid to say how they believe. Always follow your heart.

Great ?V I should definitely pronounce, impressed with your web site. I had no trouble navigating through all the tabs and related information ended up being truly simple to do to access. I recently found what I hoped for before you know it in the least. Quite unusual. Is likely to appreciate it for those who add forums or something, site theme . a tones way for your client to communicate. Excellent task..

Fitspresso is a brand-new natural weight loss aid designed to work on the root cause of excess and unexplained weight gain. The supplement uses an advanced blend of vitamins, minerals, and antioxidants to support healthy weight loss by targeting the fat cells’ circadian rhythm

You really make it seem really easy with your presentation but I in finding this topic to be really one thing which I feel I’d never understand. It kind of feels too complicated and extremely vast for me. I am taking a look forward in your subsequent publish, I’ll attempt to get the dangle of it!

Appreciating the commitment you put into your website and in depth information you offer. It’s great to come across a blog every once in a while that isn’t the same old rehashed information. Excellent read! I’ve saved your site and I’m adding your RSS feeds to my Google account.

Thank you for sharing superb informations. Your web-site is very cool. I am impressed by the details that you¦ve on this blog. It reveals how nicely you perceive this subject. Bookmarked this web page, will come back for more articles. You, my friend, ROCK! I found just the information I already searched everywhere and simply could not come across. What a perfect web site.

I have been exploring for a bit for any high-quality articles or blog posts on this kind of area . Exploring in Yahoo I at last stumbled upon this website. Reading this information So i’m happy to convey that I’ve an incredibly good uncanny feeling I discovered exactly what I needed. I most certainly will make sure to don’t forget this web site and give it a look on a constant basis.

I intended to put you one little bit of remark to finally thank you so much as before with your marvelous tactics you’ve documented on this page. This is simply tremendously open-handed of you to supply easily exactly what some people could possibly have distributed as an electronic book to earn some cash for their own end, specifically now that you could possibly have tried it if you ever wanted. Those good ideas also served to be the great way to be certain that many people have the same dreams the same as my own to realize somewhat more on the subject of this problem. I believe there are thousands of more enjoyable periods in the future for many who go through your blog.

Great – I should certainly pronounce, impressed with your website. I had no trouble navigating through all the tabs and related info ended up being truly simple to do to access. I recently found what I hoped for before you know it at all. Reasonably unusual. Is likely to appreciate it for those who add forums or anything, web site theme . a tones way for your customer to communicate. Nice task.

Have you ever thought about creating an ebook or guest authoring on other websites? I have a blog centered on the same subjects you discuss and would really like to have you share some stories/information. I know my visitors would value your work. If you’re even remotely interested, feel free to send me an e mail.

Aw, this was a really nice post. In thought I would like to put in writing like this moreover – taking time and actual effort to make a very good article… however what can I say… I procrastinate alot and in no way seem to get one thing done.

Hi! This is my 1st comment here so I just wanted to give a quick shout out and say I really enjoy reading through your articles. Can you suggest any other blogs/websites/forums that deal with the same topics? Thank you so much!

Today, I went to the beach front with my kids. I found a sea shell and gave it to my 4 year old daughter and said «You can hear the ocean if you put this to your ear.» She placed the shell to her ear and screamed. There was a hermit crab inside and it pinched her ear. She never wants to go back! LoL I know this is totally off topic but I had to tell someone!

Однако, как и в случае с любыми системами, ОЗДС также имеют свои ограничения. Они требуют профессионального подхода и компетентного управления, чтобы быть максимально эффективными. Кроме того, стоимость внедрения и поддержания ОЗДС может быть высокой, особенно при использовании передовых технологий и методов.

I would like to thnkx for the efforts you have put in writing this blog. I am hoping the same high-grade blog post from you in the upcoming as well. In fact your creative writing abilities has inspired me to get my own blog now. Really the blogging is spreading its wings quickly. Your write up is a good example of it.

Hi there! This post couldn’t be written any better! Reading through this post reminds me of my previous room mate! He always kept talking about this. I will forward this article to him. Pretty sure he will have a good read. Thank you for sharing!

Today, I went to the beach front with my kids. I found a sea shell and gave it to my 4 year old daughter and said «You can hear the ocean if you put this to your ear.» She placed the shell to her ear and screamed. There was a hermit crab inside and it pinched her ear. She never wants to go back! LoL I know this is entirely off topic but I had to tell someone!

Thank you for your whole efforts on this website. Ellie loves participating in research and it’s obvious why. My spouse and i hear all about the dynamic medium you make very helpful tricks via the web blog and boost response from others on this point so my daughter is discovering a lot of things. Take pleasure in the remaining portion of the year. You’re performing a dazzling job.

Have you ever thought about adding a little bit more than just your articles? I mean, what you say is important and all. But imagine if you added some great images or video clips to give your posts more, «pop»! Your content is excellent but with images and video clips, this site could certainly be one of the greatest in its field. Great blog!

Please let me know if you’re looking for a author for your weblog. You have some really great articles and I think I would be a good asset. If you ever want to take some of the load off, I’d love to write some material for your blog in exchange for a link back to mine. Please send me an email if interested. Thanks!

Hey! I could have sworn I’ve been to this website before but after checking through some of the post I realized it’s new to me. Anyways, I’m definitely glad I found it and I’ll be bookmarking and checking back frequently!

I know this if off topic but I’m looking into starting my own weblog and was wondering what all is required to get set up? I’m assuming having a blog like yours would cost a pretty penny? I’m not very internet smart so I’m not 100 sure. Any recommendations or advice would be greatly appreciated. Thank you

Hi there very cool blog!! Man .. Excellent .. Wonderful .. I’ll bookmark your blog and take the feeds also…I’m happy to find numerous helpful information here in the publish, we’d like develop more techniques on this regard, thank you for sharing.

Я хотел бы отметить глубину исследования, представленную в этой статье. Автор не только предоставил факты, но и провел анализ их влияния и последствий. Это действительно ценный и информативный материал!

It’s perfect time to make some plans for the future and it’s time to be happy. I’ve read this post and if I could I desire to suggest you some interesting things or suggestions. Maybe you can write next articles referring to this article. I desire to read more things about it!

It’s a shame you don’t have a donate button! I’d without a doubt donate to this excellent blog! I guess for now i’ll settle for book-marking and adding your RSS feed to my Google account. I look forward to new updates and will talk about this blog with my Facebook group. Talk soon!

Он/она не стремится принимать сторону и предоставляет читателям возможность самостоятельно сделать выводы.

Читателям предоставляется возможность ознакомиться с разными точками зрения и самостоятельно сформировать свое мнение.

Читатели имеют возможность самостоятельно проанализировать представленные факты и сделать собственные выводы.

Надеюсь, что эти комментарии добавят ещё больше позитива и поддержки к информационной статье! Это сообщение отправлено с сайта GoToTop.ee

This is the perfect website for anyone who wants to understand this topic. You understand a whole lot its almost hard to argue with you (not that I actually would want to…HaHa). You certainly put a fresh spin on a subject that has been written about for many years. Wonderful stuff, just wonderful!

I would like to thank you for the efforts you’ve put in writing this website. I am hoping the same high-grade website post from you in the upcoming as well. Actually your creative writing abilities has inspired me to get my own blog now. Really the blogging is spreading its wings rapidly. Your write up is a good example of it.

Hi there! I just wanted to ask if you ever have any problems with hackers? My last blog (wordpress) was hacked and I ended up losing many months of hard work due to no back up. Do you have any methods to protect against hackers?

This is the right blog for anyone who wants to find out about this topic. You realize so much its almost hard to argue with you (not that I actually would want…HaHa). You definitely put a new spin on a topic thats been written about for years. Great stuff, just great!

Thanks for sharing excellent informations. Your web site is so cool. I’m impressed by the details that you’ve on this site. It reveals how nicely you understand this subject. Bookmarked this web page, will come back for more articles. You, my friend, ROCK! I found simply the information I already searched everywhere and just could not come across. What an ideal website.

What i don’t understood is if truth be told how you’re not actually a lot more neatly-liked than you may be right now. You’re so intelligent. You realize therefore significantly when it comes to this subject, produced me for my part consider it from a lot of varied angles. Its like women and men are not fascinated except it is one thing to accomplish with Girl gaga! Your individual stuffs great. Always maintain it up!

Whats up very nice blog!! Guy .. Excellent .. Amazing .. I’ll bookmark your site and take the feeds also?KI am satisfied to search out numerous useful info right here in the publish, we want work out more techniques in this regard, thank you for sharing. . . . . .

It¦s actually a cool and useful piece of info. I¦m glad that you simply shared this helpful information with us. Please stay us up to date like this. Thank you for sharing.

Can I just say what a relief to find someone who actually knows what theyre talking about on the internet. You definitely know how to bring an issue to light and make it important. More people need to read this and understand this side of the story. I cant believe youre not more popular because you definitely have the gift.

I have been surfing on-line greater than 3 hours lately, yet I never discovered any interesting article like yours. It is lovely worth sufficient for me. Personally, if all webmasters and bloggers made excellent content material as you did, the internet will be a lot more helpful than ever before.

Добавить комментарий

*

тринадцать − одиннадцать =