Ekot (with Audio), Dramatisk ökning av obetalda fakturor

Dramatisk ökning av obetalda fakturor Dramatic|increase|of|unpaid|invoices Dramatic increase in unpaid invoices

2020-10-01 10:45:00 2020-10-01 10:45:00

De rena konsumtionslånen växer stort, särskilt bland unga, enligt Finansinspektionens kartläggning som presenterades i dag. The|pure|consumption loans|are growing|significantly|especially|among|young people|according to|the Financial Supervisory Authority's|survey|that|was presented|in|today The pure consumption loans are growing significantly, especially among young people, according to the Financial Supervisory Authority's survey presented today. Särskilt oroande är utvecklingen av antalet fakturaköp som inte betalas, enligt Finansinspektionens generaldirektör Erik Thedéen. Particularly|concerning|is|development|of|number|invoice purchases|that|not|paid|according to|the Financial Supervisory Authority's|director general|Erik|Thedéen Particularly concerning is the development of the number of invoice purchases that are not paid, according to the Director General of the Financial Supervisory Authority, Erik Thedéen.

Det handlar om de fakturor som inte har betalats i tid som Finansinspektionen ser i sin ökning, på drygt tio år har fakturorna tillsammans med små konto-lån och krediter ökat från fyra miljarder år 2008 till nära 50 miljarder 2019. It|concerns|about|the|invoices|that|not|have|been paid|on|time|that|the Financial Supervisory Authority|sees|in|its|increase|over|just over|ten|years|have|the invoices|together|with|small|||and|credits|increased|from|four|billion|in the year|to|nearly|billion It concerns the invoices that have not been paid on time, which the Financial Supervisory Authority sees in its increase; over the past ten years, invoices along with small account loans and credits have increased from four billion in 2008 to nearly 50 billion in 2019. Anledningen är en ökad e-handel. The reason|is|an|increased|| The reason is an increase in e-commerce.

Andelen fakturaköp som går till inkasso är dubbelt så stor som andra konsumtionslån och medan mindre än 0,2 % av lånen hamnar hos Kronofogden är det 1,4 % av de obetalda fakturorna som gör det. The proportion of|invoice purchases|that|go|to|collection|is|twice|as|large|as|other|consumer loans|and|while|less|than|of|the loans|end up|with|the Enforcement Authority|is|it|of|the|unpaid|invoices|that|do|it The proportion of invoice purchases that go to debt collection is twice as high as other consumer loans, and while less than 0.2% of loans end up with the Enforcement Authority, it is 1.4% of unpaid invoices that do.

Enligt Erik Thedéen är det främst unga mellan 25 och 35 år som riskerar att hamna i den här skuldfällan eftersom det ses som en inkörsport till fler och dyrare lån. According to|Erik|Thedéen|is|it|primarily|young people|between|and|years|who|risk|to|end up|in|this|here|debt trap|because|it|is seen|as|a|gateway|to|more|and|more expensive|loans According to Erik Thedéen, it is primarily young people between the ages of 25 and 35 who are at risk of falling into this debt trap, as it is seen as a gateway to more and more expensive loans.

Kartläggningen är gjord innan coronapandemin, därför syns alltså ingen sådan effekt på lånen. The mapping|is|done|before|coronavirus pandemic|therefore|is seen|thus|no|such|effect|on|loans The mapping was done before the coronavirus pandemic, so no such effect on the loans is visible. De rena konsumtionslånen har ökat mycket i sig, amorteringar och lån står nu för runt 50 procent av hushållens totala lånekostnader. The|pure|consumption loans|have|increased|much|in|themselves|amortizations|and|loans|account|now|for|around|percent|of|households'|total|loan costs Pure consumer loans have increased significantly, and repayments and loans now account for around 50 percent of households' total borrowing costs. Sett till belåningsgraden är det fortfarande blancolånen som står för den största delen. Considering|to|loan-to-value ratio|is|it|still|unsecured loans|that|account|for|the|largest|portion In terms of the loan-to-value ratio, it is still the unsecured loans that account for the largest portion.

Kartläggningen visar också på brister gällande kreditupplysningar. The mapping|shows|also|on|deficiencies|regarding|credit reports The mapping also shows deficiencies regarding credit assessments. När det kommer till Fakturaköp finns det i dag inget krav på kreditupplysning, vilket ses som ett skäl till den stora ökningen. When|it|comes|to|Invoice purchase|there is|it|in|today|no|requirement|for|credit check|which|is seen|as|a|reason|for|the|large|increase When it comes to invoice purchases, there is currently no requirement for a credit assessment, which is seen as a reason for the significant increase.

Nu arbetar Finansinspektionen med att ta fram nya riktlinjer som ska innebära skärpningar och förtydliganden i regelverket för kreditprövningar. Now|is working|the Financial Supervisory Authority|on|to|develop|out|new|guidelines|that|will|entail|tightening|and|clarifications|in|the regulations|for|credit assessments The Financial Supervisory Authority is now working on developing new guidelines that will entail tightening and clarifications in the regulations for credit assessments. De nya riktlinjerna ska presenteras under våren. The|new|guidelines|shall|be presented|during|spring The new guidelines are to be presented in the spring. Men enligt Erik Thedéen kan det också vara nödvändigt att ta bort undantaget för fakturor för att stävja utvecklingen. But|according to|Erik|Thedéen|can|it|also|be|necessary|to|remove|away|the exception|for|invoices|to|to|curb|the development But according to Erik Thedéen, it may also be necessary to remove the exception for invoices to curb the development.