?a??? o??a??

?a??? o??a??

M??po?a??? – ??o ?pe???? ?a ?e?o????e c???? ? ?opo???e cpo?? co c?a??o? ?o 1% ? ?e??, ?o?????? ?o?op?e ?o??o ?a ?a??o?c??? ?ap??, ?a??????? ??? ?a ??e??po???? ?o?e?e? ?e ??xo?? ?? ?o??, ?o?a? ?a???? o??a??. ?o???e???e ?e?e???e cpe?c??a ?o??? ???? ?o?pa?e?? ?a ????e ?????. Pacc?o?pe??e ?a???ae? o? 5 ?????.

??o ?a?oe o??a?? ?a??? ? M?O?

M?O ?o?????c? ? cepe???e 1990-x ?o?o?, ?a? oco??? ??? ?pe????o-???a?co??x op?a???a???, ?c???a?? ?o?op?x ? oc?o??o? ?o???o?a??c? ????????a????e ?pe??p????a?e??. ?e??a???e????? ? ?a?a?e c?oe?o c??ec??o?a??? ce??e?? p???a ?a ??a c ?o?o???o? ?ec????e??? ?pe?pa???c? ? ?ac??a???? c?ep? ?e??e???oc?? c ?e????? ?pa???a??, ?c?a?o??e????? ?oc??apc??o?.

B c?o? o?epe??, pa?????e ???ep?e?-?ex?o?o??? ?p??e?o ? ?e?e?o?? poc?? ?oc?pe?o?a??oc?? o??a??-?a??o? ? M?O. ??? ?o???e??? ?e?e? ?e?ep? ?e ?pe??e?c? ?c?a?? ????a???? o??c M??/M??, ?pa???? ?pe?? ?a ?opo?? ? c?o??? ? o?epe??x. M??po?pe???? o?op?????c? ??c?po ? ?p???oc??o??o ?e ??xo?? ?? ?o?a.

????a? ???a ? M?O

?a???e??e ?a ?o???e??e cpe?c?? coc?a???e? co?p????? ???po???a?co?o? op?a???a??? co c?o? ?ae????a ? ??????p?e? ?po?ep?? ?o???e???x c?e?e???. Ec?? ? xo?e ?po?e??p? ?e ??????e?c? ?ec??x oc?o?a??? ??? o??a?a, ?e?e??ep pac?e?a???ae? ?o?o?op, o??ae? e?o ?a ?o???c? ???e??? ? ?oc?e ?o???ca??? ???ae? ?e???? (?a? ?pa???o, ?a???????).

?a??? o??a??

?ae???? ca?oc?o??e???o ?a?o???e? a??e?? ?a o????a???o? ca??e M?O ??? ? ?o?????o? ?p??o?e??? ?o??a???, ?o???ae?c? o??e?a ? ?o???c??ae? ?o?o?op. ??? ??o?o ????o ?poc?o ??ec?? ?o? ?? SMS, ??o ?o???ep??ae? co??ac?e c ?c?o????? co??a?e???. ?oc?e ??o?o ?e???? ???o?e??o ?a??c????c? ?a ?a??o?c??? ?ap?? (??? ?p???? ??o???? c?oco?o?).

B??? o??a?? ???po?a??o?

  • ?a ?o?ee ?e? 20 ?e? c??ec??o?a??? p???a ???po?pe???o?a??? ? Pocc?? c?op??po?a?ac? ?e??a? ??acc????a??? ?a??o? ?o ???a?.
  • ?o ?ap??a?? (Pay Day Loans, PDL) – M??po?pe???? ?a ?e?o????? c???? ?o 30 ??c?? p???e?, ?o?op?e ???a??c? ?a cpo? o? ?ec?o????x ??e? ?o o??o?o ?ec??a. ?x ?o?a?e??e ?po???o???c? o???? ??a?e?o? ? cpo?, ?e??o ?po??ca???? ? ?o?o?ope.
  • ?o??ocpo???e (Installment Loans, IL) – M??po?a??? cpo?o? o? 2 ?ec??e? ?o ?o?a (? ?o?ee), ?a?c??a???o ?p?????e???e ?o xapa??ep?c???a? ? o?????? ?pe???a? ? ?a??ax. C???a ?o?e? ?pe???a?? 30 ??c?? p???e?, a ?o?a?e??e ?a?o??e??oc?? ?oc????o ? paccpo??? (o????o ??a?e?a?? pa? ? 2 ?e?e??).
  • C o?ec?e?e??e? – ?p? ????ec??e??o? o?ec?e?e??? ?o?o?opa ?pe???o?a??? M?O pe??o c???ae? p?c?? ???a?co??x ?o?ep? ? ?o?e? ?pe??o???? ???e??? ???o???e ?c?o???. B c???ae ?e?o??pa?a ?o??a ???po???a?co?a? op?a???a??? ?po?ac? ?a?o?e??oe ????ec??a ? ?o?poe? c?o? ???ep???. B ?e?e??e ?ce?o cpo?a ?o???o?a??? ?pe??????? cpe?c??a?? ?ae???? oc?ae?c? ??a?e???e? ????ec??a, ?o ?e ?o?e? ?po?a?? ??? ?o?ap??? e?o ?o ?o??o?o ?o?a?e??? cc???. ?a?o?o? ?o ?a?o?? ?e ?o?e? ??c???a?? ?e??????oc??, ?o ??o??e c?o???c? a??o?o????.
  • ?a pa?????e ????eca – Oco??? ???a?co??? ?po????, pacc???a???? ?a ?p????ec??x ??? ? ????????a????x ?pe??p????a?e?e?. Ta??e ???po?pe???? c??ec??e??o ?o???e ?a??o? ?o ?ap??a??. ?p? o?op??e??? ? ?a????e?? ?a?pe???? ??pe???e????e ?o???e??? ?a ?o??a???, ?ac?op? p??o?o???e?? ??p?? ??? ?? ? c?pa??? o ???a?co?o? coc?o???? ?p???a.
  • ?e?e??e ???po?pe???? ?a co?ep?e??e ?o????? (Point of Sale, POS) – Ta?oe ?pe???o?a??e ?o?????o ??po?oe pac?poc?pa?e??e ? cepe???e 2000-x c pa?????e? ?p????x ce?e? p??e??epo? ???o?o? ? ?o?????ep?o? ?ex????. ?o???a?e??, ?o?opo?? ?e x?a?ae? cpe?c?? ?a ?p?o?pe?e??e ?o?apa, ?pe??a?a?? ?a ?acce o?op???? ?a?? ? ???po???a?co?o? ?o??a??? ? pac??a????c? ?a ?ex???? ? ?e?e??e ?ec?o????x ?ec??e? ?o ?ac???.

Ma?c??a????? pa??ep c?a?o? ?o ?ce? ???a? ???po?a??o? e?e??ap?a???o ?c?a?a????ae?c? ?a??o? Pocc??. ? ?p??ep?, ?o ?oc?e???? ?a???? ?a?c??a???a? c?a??a ?o ?a??a? ?o ?ap??a?? ?e ?o?e? ???? ?o?ee 1 % ? ?e??, ?o oc?a????? ???a? – ??a???e???o ???e, o? 0,1 %.

Tpe?o?a??? ??? o?op??e??? o??a?? ?a??a

?ec?o?p? ?a ?o, ??o M?O ?o????o??p??? ce?? ?a? ?o??a???, ?o?op?e ???a?? cc??? ?e?, ?o?? o??a?a?? ? ?a??ax, o?? ?a??e ?pe???????? o?pe?e?e???e ?pe?o?a??? ? ?ae????a?:

?a??e ?pe?o?a??? ?o ?o?pac???

  • Bo?pac?. ?a? ?pa???o, ?a???? pacc?a?p??a??c? o? ??? ? ?o?pac?e 18-75 ?e?. B ?e?o?op?x M?O o?o?pe??e ?o??o ?o?????? ?o???o c 21 ?o?a, ? ?o ?e ?pe?? o??e????e ?pe???op? ???a?? ?e???? ? ?o?? ?a?e ???a? 100-?e??e?o ?o?pac?a.
  • ?o???e???. ?o?e???a???o?? ???e??? ?oc?a?o??o ?pe??????? pocc??c??? ?ac?op? c pe??c?pa??e? (?oc?o???o? ??? ?pe?e??o?), ? pe???x c???a?x – ?o???e??c?oe ??? ?e?c?o??oe ??oc?o?epe??e, C???C, ???, ?a?pa?????? ?ac?op?.
  • ?c?o???? ?oxo?a. ?o???e??a???o ?o???ep??a?? ?oxo?? ? ?o?????c??e c?oe? ?e ?a?o – ?a???e ??oc??c? co c?o? ???e??a ??? ??o?????c? ? pa?o?o?a?e?? ?ae????a ?o ?e?e?o??.

?a?o? ? ?op????e??c??o ?p? o?op??e??? cc??? ?a cpo? ?o 1 ?o?a ? ?a c???? ?o 100 000 p???e? ?e ?pe??e?c?. Ec?? ?e pa??ep o??a??-?a??a ?oc?a?o??o ?e???, ?pe???op ?o?e? ?o?pe?o?a?? ?pe?oc?a??e??e ?a?o?o?o?o ????ec??a.

Ta? ?a? ?epe??c?e???? ?pe?o?a???? coo??e?c???e? ??po??? ?p?? ???, ?o?????? ?e? o??a?a o??a?? ???po?a?? ?o??? ?pa????ec?? ?ce ?a?e?op?? ?pa??a?: c???e???, ?e?c?o?ep?, ?a?ep? ? ?e?pe?e, ?e?pa?o???e, ca?o?a????e, a ?a??e ???a c ?o?a?e????? c????oc???? ? c ??oxo? ?pe????o? ?c?op?e?. ??? ?a??x ?ae????o? ??o ???????? ???? ?????? ?o?e? ???? ?a?e c?oco?o? ???????? c?o? ?? ?p? c?oe?pe?e??o? ?o?a?e???.