The gulf between the lender and the borrower, of course, is. But from discussions with experts, we identified three climbing ropes, with which Russian banks are insured against falling into a pit of crisis.

Cable first, most reliable. Very effective bet. When a customer receives a consumer or express loan, his attention is usually skillfully focused on annual percentages. It seems like in them the whole point. The structure of the loan then seems to the person simple and uncomplicated: took a hundred thousand, five years later returned, and for each year of using this money he gave, for example, 18 percent per annum.

So, a simplified scheme of consumer lending:.

- declared interest rate per annum: 18 percent per year;.

- commission for its issuance: 3 percent of the loan amount (one-time);.

- commission for its support: 2 percent (every month) of the loan amount, per year - 24 percent.

Summarize only these three basic "ingredients": 18 + 3 + 24. We get 45 percent in the first year. We counted only two main commissions that most banks use, and the rate compared to the declared one has already grown by 27 percent!.

Periodic commissions bring about 50 percent of the income to the bank from a loan - this is an unofficial figure, but if you look at it, the bankers themselves, with whom they managed to communicate frankly, do not doubt its fidelity. Accordingly, one payer covers the bank with his loan and another non-payer is the minimum.

Second wire. Bet more than life. In every bank that actively participates in the consumer lending market, there is a special department for non-repayment. People who work there, track the client database and calculate "bad" loans. When recovering small loans (up to 100 thousand. Rubles) banks focus on the call of "bad" customers. But when the amount of debt is serious or a person does not pay too long, the bank has ways of solving this problem. For this, there are collector companies that build their business to collect debts from customers of credit companies.

Third cable. By the principle of the pyramid. It's not even a cable, but a way of development. The Bank quickly and without hesitation distributes as many loans as possible.

Thus, it increases its total loan portfolio, not caring about its quality. This method is used by both small banking structures and large. The first - to profitably sell themselves to one of the big players of the market. And the croupiers themselves - to get a long-term loan from abroad.

In both cases, dust splashes into eyes: "Look, we have a big loan portfolio, we are a serious player in this market". The real percentage of non-refunds is not shown at the same time.