The central bank will tighten checks business customers Photo from isrtm.ru

The Central Bank of the Russian Federation plans to introduce in the fourth quarter of the new mandatory testing for customers who own a business.

Writing about this in September, he sent to Russian banks, Banking Regulation Department Director of the Central Bank Alexey Guznov.

According to him, according to the new provisions on the identification of bank customers, the banks will not be enough to get from the company documents confirming its location. This information should check the Specialist Bank. This will determine the level of credit risk of customers and the amount of required reserves for loans issued.

The position on the reservation states that all loans are divided into five quality categories. The first is the standard loans, the probability of default which is zero. The second - a loan with a probability of occurrence of delay on them at a rate of 1-20%. Still others suggest the probability of default on the loan at a rate of 21-50%. The fourth category includes loans with the risk of delay on them in 51-100%. The fifth - the loan, the probability of default for which the 100%. The amount of provision is equal to the size of the risk of the loan.

The Bank assigns credit quality category based on two criteria: the financial condition of the borrower and the quality of service a debt - for example, on earlier loans, write "News".