Рустем Шайахметов | United States America (US)

Create: 2025-04-10 Update: 2025-07-10 21:52:52

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По данным Банка России портфель кредитов микрофинансовых организаций (МФО) на 31.12.2024 составил 623 млрд рублей, за год он вырос на 41%, доля просроченной задолженности — 28,3%.

Сумма выданных микрозаймов в 2024 году выросла на 51% и превысила 1,5 триллиона рублей.

В прошлом году 6,4 млн человек впервые обратились за займами в МФО, из них 2 млн стали получателями займов «до зарплаты».

Доля заёмщиков, имеющих 3 и более займа, в объёме кредитов МФО — 49%.

Согласно исследованиям ВЦИОМ, 2% россиян (около 2 млн человек) занимают деньги у нелегальных кредиторов, указанные займы нигде не учитываются. В основном это «отверженные» заёмщики, которым банки, МФО кредиты не выдают.

По сведениям Росстата малоимущих россиян в прошлом году стало меньше на 1,7 миллиона человек, снизилось на 12%.

Это слабо коррелируется с данными Банка России: в 2024 году было выдано свыше 30 млн займов «до зарплаты» (увеличение на 20%), средний размер займа –10 тысяч рублей, процентные ставки превышают 286%.

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