officials will begin a new way to deal with non-performing loans. Last week it was decided not to issue negligent borrowers abroad: after creating a database Customs will deploy on the border of all time who has not paid the bank. The President issued a decree instructed the Cabinet to develop appropriate procedures and working methods. After her appearance to become clear, for what neproplaty and how long borrowers will Blacklist travel abroad.

Debtors finuchrezhdeniy going to ban exit from Ukraine. Last week, the head of state issued a decree (№ 813/2009), relating to stabilize the banking system, instructed the Cabinet to take measures to impose a temporary ban on travel abroad of citizens, who have outstanding loan obligations to the financial institution. Simultaneously, a letter from the National Bank (№ 18-312/4255-18700), in which the governor called the Trust actively in court to initiate such a ban against defaulters on loans.

today are just not leave those problematic borrowers whose cases reached the courts, and in one case only: if the financial institution has sought in his petition for a ban on travel abroad, the debtor's bank and the court granted his request. Moreover, as reported by the Ministry of Justice, actually, this rule has earned only 27 May 2008, after a joint letter appeared the Ministry of Justice and Administration of State Border Service № 25-32/463 On introduction of a single order of government by implementing some of the norms of existing legislation . Although formally this possibility was at the bank since January 1995: after the Cabinet decision number 57, released pursuant to the Law On procedure of exit and entry to Ukraine citizens of Ukraine.

The information that these or those of our fellow citizens can not cross the border by the court, today referred to the Customs Service on a daily basis. We track only the first results of a joint letter from customs. For the first six weeks after signing the document from the country was not released about 100 people. True, we did not choose from a total list of names of those citizens of the ban for which petitioned for the banks, it's restricted to travel abroad, which led to court decisions. Among them are, for example, people who do not pay child support , - a Justice Ministry spokeswoman Leah Ilchenko.

Only when a man shows his passport at the border, we tell him what is prohibited to go: because he did not pay utility bills or are under investigation and gave a recognizance not to leave. Separate statistics on bank debtors, especially for those who attempted to leave and was not released, we do not, - has supplemented its spokesperson of the State Border Service Andrey Kucherov.

interviewed BO Experts believe that the document which the President instructed the Cabinet to develop, will close the border to all troubled borrowers Ukrainian financial establishments, and not only those in respect of which already have the relevant decisions of the courts. Bankers today are building different versions of the criteria on which the debtor will appear in the blacklist Customs Service. According to the first restricted to travel abroad will get those specific time is not fulfilling its obligations to the bank, not having him on this official sanction (without signing a contract for delay, restructuring the loan, etc.).

I believe that the borrower should automatically be placed in the category of potential non-payment, if the delay exceeds three months. And in this case it is necessary to start from the time delay anddoes not take into account the amount of debt, - deputy director of department of sales of products retail business of Bank Finance and Credit Daniel Fursa. Financial experts believe that it makes no sense to constrain the movement of citizens who have overdue payments on small time - one or two months.

According to another version, the ban on travel abroad should not be tied to periods of no return, it is imposed only in the case of malicious defaulters, whose financial status was not affected because of the crisis, and credit fraud. The financial crisis can not impose such restrictions for all borrowers. Indeed, in most cases, reducing the capacity to pay was not the fault of their own, I am referring to the dismissal from employment, and the growth rate of foreign currency. I think both have their rights can only be credit scam, which were originally not going to put out their loans, - noted the Deputy Chairman of the Board Khreshchatyk Irina Skirchuk.
Today

financiers see two possibilities of filing a Customs Service information on negligent borrowers. The most likely option is the development of a unified database of customs as one of four credit bureau that exist in our country: The First Credit Bureau of Ukraine, CJSC International Bureau of Credit Histories, JSC Ukrainian Bureau of Credit Histories and BCI Date Mining Group. Another option - is to connect to the existing customs system.

Customs Service could make an online request to the credit bureau, in which the database is updated within two days of the change in the status of credit, including on the delay. As a result of such a request would provide an unequivocal answer: no delay, You can go abroad or are overdue, please, calculate, and then plan the trip, - said the head of operational risk Platinum Bank Andrey Ignatov.

What today financiers do not doubt, it is that after the ban on leaving the country's troubled borrowers' loan repayments will rise significantly. This taboo will actually encourage many debtors to prompt repayment of old debts, - said the deputy chairman of AT Brokbusinessbank Natalia Syniavska. According to NBU, from January to October 2009 the share of problem loans in total loan portfolio of the banking system increased from 2,27 to 6,8%.

Elena Lysenko

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