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In April next year, will premiere a new exhibition project CREDIT EXPO 2005, organized by International Exhibition Agency has IFA. In anticipation of this event, we appealed to the President IFA SM Levitte with several issues.

Sergey Maksimovich, please, what is the idea of « Credit Expo»?

To begin with, let us turn to history. The notion of «borrow» for the consumer in the USSR did not exist in principle. Do not just come to mind that it is possible to borrow money and demand for such savings. There were no institutions which provide money for a commission. There have been a loan, ie free credit, cash assistance. But all this one way or another related to union activities. However, there were credit relations between the entities.

Today the credit in the global sense of the word became popular. Lending relationships in the field of entities transferred to the ordinary citizen, the person who is willing and able to give the necessary and sufficient family. I stress that this is not about the great projects of rebuilding, but the individual citizen to his needs. And today we have reached a point where any Victorian working citizen has the opportunity to provide shelter over your head, a means for the movement, increase their skills and education of children, quality health care. The only thing that can help solve these issues - loans.

That's why we go to market with the exhibition «Credit Expo», which is the first of its kind - it is aimed at addressing the civil, rather than business interests. That is, in fact, this exhibition - one of the elements of a market economy, realizing the rights of citizens for a successful life. The right to housing, right to education, right to health care. Through the credit relationship is already implemented in the entire civilized world, and I am sure will soon be realized and we have.

Are, in your opinion, the Russians to obtain credit, to the proper understanding of this issue?

Obviously, the question lies in your question. And I like it not seem strange to his support. If you take the country into a full scale, then, of course, is not yet ready. I stress - so far. Moscow - the most established and secured the city, the city with the largest number of jobs with high wages. And of course, such an event at this stage should be held in Moscow. As a resident of Moscow or the people working here, which one way or another, saw the advertisement on the streets of banks, credit rates, etc., are already psychologically prepared to enter into credit relations. This financial literacy sign in this relationship with him, of course, not. It is therefore necessary

exhibition, where in one place gathered leaders credit market, not just those who provides loans - that is, the banks, but also those who provide all the necessary products on credit - apartments, cars, insurance and people ... , after a few hours at the «Credit Expo», will have a full idea of what rates are loans, which means they come from, who makes it expensive, but faster, and who is cheaper, but slower. Thus, our visitor except get more information about the campaign against illiteracy and how to enter into these financial relationships.

And whether financial institutions the right to credit and financial relations?

It is a very interesting question. And again, I will answer it negatively. Probably not ready. Not only that Russian institutions - but for agencies, I understand not only the banks but the funds, and insurance companies, without whom, it still does not is not a credit event, and consumer network - no experience working with retail. Savings Bank of the Soviet Union was, is and remains, and it is working with Russian customers, exactly the same as 25 years ago. Nothing has changed, except that computerization has reduced the queue.

In addition, all these institutions are not ready to credit and financial relations, because do not take into account the psychology of the Russian citizen. They are not ready, perhaps, the most important - the need to become a financial advisor of the individual.

Let's try to imagine how many millions of Russians to understand, for example, the impact of oil price on the dollar, and how this in turn affects the value of loafs of bread. I think across the country - the unit. A live-then we'll be all. And these processes affect everyone, in spite of the fact that not everyone understands it. Thus financial institutions should not only learn to give credit to both, to get it back with interest, but also to be able to become a financial advisor to help students and housewives, and competent manager to place their assets - and those he had already earned, and those who have not earned, but received a credit. Imagine the situation - there was a man of money, and then he went and took the credit, and he was given 10 thousand dollars. He spent them for 3 days and will give 5 years. Of course this is not correct, an abnormal situation. It must be understood by taking a loan, which will be spent. And if a person takes a loan, which will be put in over the next 5 years at least, he should use this money efficiently - for example, buy an apartment, rather than spend all that money on some crazy trip, for which he would pay part of his life. And in this case, the consultants have to work on it, explaining to people that the credit - this is not the money, fallen from the sky, an investment in the life of every person. But investment must be given. And if this issue would be given due attention, then establish the correct financial relations between citizens and financial institutions.

challenge of our exhibitions - meeting the needs of the people in the right loan and financial terms. And in that sense, I emphasize again, training the participants of this market - no less serious challenge than the task of learning every single citizen.

player industry, the credit and financial market reaction to the new project?

Neither company has not said that we are doing something wrong or late. On the contrary, all believe that this is correct, a good idea, which is implemented on time. Therefore, the project is developing quite successfully, there is an active registration of participants. In addition to the professional audience, we spend more and conferences on consumer lending. The aim of the conference - the consolidation of the market of credit services, development of clear and understandable rules of the game, location and percentage of each company in the market. This, of course, a very professional event, and it is going to exactly the audience, which should form the financial market, and hence the future well-being as a whole and each citizen in particular. It should be understood that without a stable financial system, inflation eats up any accumulation. If financial market participants agree on the correct paper in the market, thus they contribute to the removal of inflation to reasonable limits. And, despite the fact that we are talking about consumer credit, and the exhibition and conference are related to finance, each individual citizen, but this is the basis of the entire financial structure of the state and, hence, eventually, and the basis of the state. Therefore, the significance of the conference, of course, is great, also note that all market players.

As a result of the time and venue of the exhibition?

We as a company professional in organizing exhibitions, never choose the dates for the exhibitions. We solicit the views of analysts, as a result of getting the date as close to optimal for a given industry. In addition, the spring - a time when people want to go to a new level of life. Spring - it is always a plan, hope for the best. A loans - is the realization of hopes for the best. With respect to the location, Expocentre at Krasnaya Presnya - traditionally a very well-proven platform with professional managers, with very good infrastructure. It is very expensive, to say a word. Nevertheless, we believe that this kind of event to hold at the site, which has a good reputation, long history. Because the credit - is trust. This relationship between legal entities and individuals, based primarily on trust. And here's reputation plays a paramount importance. What

loans, in your opinion, are most relevant today?

First of all - a loan for real estate, as people are in need of housing. One of the necessary conditions for normal life, so that each citizen could raise a family, a shelter. The fact that people have no shelter - the legacy of the socialist period. Therefore, housing is and will be one of the priorities of monetary policy.

Second most popular is the loan for buying a car. The car in our country - this is not a means of transportation, it never was and did not even know when we will. The Russian soul, with at least some money immediately puts them in the car. Often unnecessarily expensive car. Judging by the reviews of my foreign colleagues and friends, they very much surprised why the Russian, with a low income, and the unpredictability of the financial situation in the country, do not invest the money, and immediately buy the most expensive machines, which only is possible. In Russia, the car was, and I emphasize, is the preferred way to display their social level. Therefore, automobile loans, of course, would be a long stay among the leaders.

The future health and, consequently, credits for health insurance will take one of the leading positions. Humans need somewhere to live, for something to go, but most importantly - for the happy life must be healthy. Therefore, issues of quality of health care will undoubtedly be given greater attention.

And finally - what would you wish the participants of your exhibition?

I would like to wish all participants of the exhibition to approach the issue of participation in the exhibition. If visitors are not always able to enjoy the exhibition and plan to circumvent the system, the worse the situation with the participants. Distributed

view is that the most important thing in participating in the exhibition - do it big and beautiful stand that it was visible from afar, and attracted the views of visitors. Of course, it is very important. But this is only a 20 percent success. A further 60 per cent - the ability of staff to meet visitors and qualified him to submit all the necessary information. This means not simply take a business card or provide promotional booklet. Companies spend huge funds for the exposition itself, do not invest in training, do not explain how to work the booth, you need to talk to visitors. It wants the situation has changed. And we as a company, the organizer of exhibitions, strongly contribute to this.

Well, while the remaining 20 per cent of successful participation in the exhibition - so good luck. Because without it, too, there is no success!

Source: www.finmarket.ru