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| − | The basis of this marketing technique is actually a dangerous theory of reducing the necessities to the borrower's creditworthiness, offset by higher fascination premiums. This type of marketing requires credit institutions to compact organization office environment costs, which have a tendency to open up up right while in the shop. But financial institution professionals must shell out a lot of time and energy to arrive at agreements with commercial facilities, particularly in recent occasions, when loan companies began to actively contend to the ideal to do the job in the most lucrative retail chains.
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| − | Taking into consideration the psychology of the borrower's rate of interest from the issuance of express financial loans built to high velocity of loan processing and the capacity to acquire items from your catalog without needing to leave the store. The inescapable consequence of this performance are rather recurrent errors in assessing the creditworthiness on the customer, which leads to a higher risk of default in the personal loan taken.
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| − | One more risk component for this kind of lending are significant fascination costs (really up to 70% per annum!), Which complicate the payment of personal debt permanently, even so the bad buyer.
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| − | The desire to offer additional financial loans, not listening to the standard in the borrower, has presently resulted in some damaging results. Hence, during the very first 50 percent of 2005 in the HKF Bank, one of the most active individuals convey credit history industry, the volume of loans with overdue payments rose by fifty percent - to 6.06 billion., Amounting to 26.5% with the total mortgage portfolio.
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| − | According to some analysts, the yield on the issuance of convey financial loans later on will drop owing to competition not simply banking companies and also because of the computer software stores and companies, who on their own may possibly promote the goods in installments.
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| − | Will not be excluded as trade companies and alliances with any individual bank to be able to conduct just one monetary policy.
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| − | Consequently, the lender and IKEA announced its intention to generate in 2007 a joint enterprise lending prospects in buying facilities "Mega" and IKEA merchants. It will acquire the distinctive appropriate to work in these shops, exactly where other banking companies must depart.
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| − | Experts feel that lending on the retail retailers will little by little change credit score cards, as has presently occurred in the West. Not coincidentally, quite a few banking institutions that focus in express customer credits, progressively heading into other sorts of lending, such as, by sending the debtors of your bank card payment. But this process, because analyst Common & Poor's will take by far the most conservative estimate, five years. Today, banking companies usually give credit history only to trusted clients.
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| − | The development with the plastic business calls for the credit institution's investments inside the development of a network of ATMs, POS terminals, self-service offices, etc. So as to minimize the necessary investment, lots of lending institutions agree on the sharing of their infrastructure for payment cards.
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| − | Foreigners want to regions!
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| − | In a market, not all banks are seeking to combine their retail network. This is in particular true multi-branch credit establishments are not going to share this very important advantage of their competitors. Especially since a large number of branches allows the lender to stick to far more traditional, but less dangerous, and technology lending.
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| − | With the same time from a potential borrower is required to provide enough bulk package of necessary documents, and in some cases - and even 1 or more guarantors. The procedure itself can take the credit score assessment of a long time, along with the higher needs to the borrower, filter out a significant number of applicants for financial loans.
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