Head of the Central Bank of Elvira Nabiullina during a press conference assessed the initiative to share Russians into categories to obtain loans on preferential terms. The broadcast of the event was carried out on the YouTube channel of the regulator.
Nabiullina commented on the proposal previously expressed by the Central Bank, about the categorization of borrowers. Thus, who will receive the status of a “qualified borrower”, was proposed to make a larger range of services available.
In particular, among them the ability to make a loan on a reduced or floating rate. “We cannot say that we tend or prefer to introduce such a category. Personally, I have doubts. We must still see how the distinction of qualified and unskilled investors will work,” the head of the regulator noted.
She also added that such norms require discussion with market participants. In this case, in the future there may be another rule – about the ban on the issuance of loans to citizens, already burdened debt.
Central Bank has already introduced the separation of retail investors selling on the stock exchange, several categories. Investors recognized by qualified will earn access to more tools. For this, they will need to fulfill a number of conditions, among which there is no less than six million rubles on a brokerage account, or a specialized education or experience in stock exchange.