The microcredit company (MKK) "The Second Chance" plans to redeem from creditors debts for refinancing, Kommersant writes. The image of the beneficiary and a business model raise serious questions at experts Evgeny Bernshtam. Photo: Stanislav Krasilnikov/TASS "House money" were the largest microfinance institution, worked since 2007. Last year the company was ruined, without having returned to investors about 10 billion rubles. The chairman of the board of directors Evgeny Bernshtam promised to pay off with all sooner or later. As the Kommersant newspaper found out, now he allegedly personally contacts some participants of the market and conducts negotiations on transfer of portfolios of the microcredit company (MKK) "The Second Chance". At the same time the Central Bank brought Bernshtam in base of persons, the business reputation or qualification of which is recognized as unsatisfactory. And it means that the businessman's share in the financial organizations cannot exceed 10% and he cannot hold senior positions. This restriction is how serious and whether it can become an obstacle for business? The list is rather formal, participants of the market regulate all risks limits on operation which also depend on reputation, the director of the National Association of the Professional Collection Agencies (NAPCA) Boris Voronin says. Boris Voronin the director of the National Association of the Professional Collection Agencies (NAPCA) "Now the Central Bank very many people blacklists. Will look first of all as far as it is favorable or unprofitable, and further depending on the contractor the relations will be already under construction. Conditionally speaking, to the contractor, it is heavy and difficult to them to work, will put the maximum prepayment, perhaps, it will be unprofitable, and it is possible, rather favorable. All had some problems in due time, quite often businessmen had even [to pass] through bankruptcy. In principle, always all solve through limits and volume of operations, can work with you without prepayment or cannot. Everything is solvable". MKK "The Second Chance" specializes in refinancing of earlier issued credits. For this purpose creditors should transfer to assessment a portfolio of debts from which the company will choose those who, according to her, can agree to refinancing, and will offer them new terms of payment of debt. The Second Chance offers creditors the raised purchase price of debts. Taking into account close attention from the regulator it will be almost impossible to come to those volumes which IFI "House money" had, the analyst of the Alor Broker company Alexey Antonov considers. Alexey Antonov is an analyst of the Alor Broker company "I do not see points for growth in the current realities when the income of the population continues to decrease, requirements to microfinance institutions every quarter all increase and increase also the market itself awfully sputtered out. There is no that base on which "House money" grew. Besides the economic reasons, the bitter experience of "House money" can beat off desire to participate in the doubtful enterprise not only at creditors, but also at debtors. To add BFM.ru to your sources of news
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