A credit broker provides assistance in obtaining a loan from a bank to individuals and legal entities. For this he receives a reward in the form of a percentage of the transaction. To start doing such a business in Russia legally, you need to register a company or individual entrepreneur, study the legislative framework, the situation on the financial market, decide on a niche, and attract clients. You can also benefit from experience operating companies and open a franchise business.

A credit broker is a participant in the financial market - an intermediary between the bank and the borrower. In simple words- a credit broker provides assistance in obtaining loans to individuals and legal entities.

But this should not be confused with “black brokers”, when an intermediary negotiates with an acquaintance who works in a bank, and a loan is issued in circumvention of established regulations, or with fraudulent schemes, when the client is charged money for a service, but in the end he does not receive a loan. This material talks about legal business.

Main formats of credit brokerage:

• mediation in the process of obtaining a consumer loan for individuals;
• mediation in obtaining loans and financing for businesses by legal entities and individual entrepreneurs;
• intermediation in the field of mortgages (mortgage broker).

Why and who needs such a service?

To make it clear, an example with a consumer loan.

Initial data: Vasily urgently needs to take out a consumer loan in the amount of 300 thousand rubles.

Option number 1. There are 12 different banks in the city. He begins calling banks and writing down interest rates and terms to choose the best option.

Vasily finds out that interest rate depends on many parameters: credit history, place of work, loan term, availability of insurance, etc. He is asked to visit the bank office and apply for a loan. Vasily goes to bank offices to submit applications and choose the most profitable proposition. He spends the whole day on this.

As a result, he submits applications to three banks: one refuses him, the other asks him additional documents, in the third - they approve the amount of 200 thousand rubles. But this amount does not suit him. Time and nerves were wasted, money was not taken.

Option number 2: Vasily contacts a credit broker. Here they evaluate his solvency, check his credit history, provide advice, and help him choose a bank and a profitable lending program. If there are errors in the credit history (for example, the balance of an existing loan or non-existent overdue payments is incorrectly reflected), the credit broker provides a service to correct them.

They help collect and fill out documents, negotiate with bank employees. All Vasily can do is come to the bank, sign the agreement and withdraw the required amount.

Result: Vasily receives the required amount under optimal conditions, saving his time and nerves. For this, he pays a certain percentage to the credit broker - usually from 2% to 10% of the amount of the loan received.

The client pays the credit broker for:

• legal support lending transactions;
• solvency check;
• assistance in paperwork, consulting on banking services;

• provision comparative analysis according to the terms of lending in various banks;

• assistance with choosing the best option and with registration;
• saving money and time.

Important! Clients will go to a credit broker if the benefit from the loan received exceeds the amount of remuneration for the services of the intermediary.

Is the business of providing financial intermediation services relevant?

According to rating agency Fitch, about 40 million people in Russia (which is 26% of all residents of the country, or every fourth) have loans from banks. At the same time, the number of banks in Russia has been rapidly declining over the past few years. For example, in 2010 there were 1,058 banks operating in the Russian Federation, and at the beginning of 2017 - 623.

Despite this situation in banking sector, and to some extent even thanks to it, the services of credit brokers are becoming increasingly in demand. This is due to the fact that many microfinance organizations have appeared on the market offering “easy money” at exorbitant interest rates. To take out a loan from such companies, you only need to present your passport. Money will be given at an interest rate of 1% per day and higher (and this is from 365% per annum).

However financial literacy population and the desire to save their own money are growing. People are looking for options to save money and time. Per month (data for September 2017) search system Yandex records more than 69 thousand requests for the phrase “help in obtaining a loan” and more than 34 thousand for the phrase “credit broker”.

As for small businesses, to obtain a bank loan at an acceptable credit rate you have to collect a considerable package of documents: charter, certificates of registration and amendments, management and official reporting data, real estate documents and vehicles and others. It’s good if the company has a competent accountant who can quickly cope with the task. If this is not the case, then collecting documents turns into a “walk through agony.” Contacting a credit broker greatly simplifies the process and saves time.

How to open a business legally

There is no special separate law regulating the work of credit brokers in Russia. However, there is a very useful document - Professional Standard “Credit Brokerage Specialist” No. 449, it was approved by order Ministry of Labor of the Russian Federation No. 175n dated March 19, 2015.

It describes in detail what a credit broker should know and be able to do, conditions and requirements, a list of services and labor actions.

Also, entrepreneurs who want to open such a business must adhere to and not violate the norms established by relevant and related laws. These include:

• Constitution of the Russian Federation;
• Civil Code;
• Federal Law “On Credit Histories”;
• Law “On Banks and banking»;
• Federal Law “On Personal Data”;
• Tax code;
• Law “On Advertising”;
• and a number of other, including local, regulations.

Legal subtleties: service provision activities credit broker not subject to licensing. You can work in this area both as an individual entrepreneur and as an LLC. As optimal system taxation experts advise choosing the simplified tax system of 6%.

Scheme of work and step-by-step plan for starting a business

Before opening a business providing credit brokerage services, you need to study the situation on the financial services market in the region where you plan to open a business.

1. Visit bank branches, get acquainted with their loan offers, requirements for borrowers, possible loan amounts. Conduct negotiations regarding financial intermediation. Some banks officially work with credit brokers by entering into agreements with them agency agreements. In such cases, in addition to remuneration for his services from clients, the intermediary also receives agent's commission from the bank. However, this is not the end in itself of the work of a credit broker. The goal of a credit broker is to select banking product with optimal conditions: term, rate, amount, so that the client does not overpay extra money and saves his time.
2. Visit the companies of existing credit intermediaries and see how the business works from the inside. Decide on a niche (mortgage, consumer loans or business loans). This is necessary to understand the portrait of the target client and the range of services provided.
3. Study the legislative framework, features and conditions of working with credit history checking services, such as NBKI (National Bureau of Credit History), Equifax. Availability of debts writs of execution checked on the FSSP website ( Federal service bailiffs).
4. Register a company or individual business, come up with a name, conduct an advertising campaign, place advertisements for clients.
5. Rent an office, equip it with office equipment and furniture, connect the Internet and telephone, hire employees.

As for the fifth step, you can start without an office, just have it on hand mobile phone and the ability to access the Internet. You can also start working remotely: create a website or landing page on the Internet through which you can offer your services.

Standard customer acquisition channels: contextual advertising, social media, advertisements on paid and free online platforms (“Avito”, “My Advertising”, “From Hand to Hand”) and others.

Experts also recommend notifying all your friends and acquaintances about a business related to assistance in obtaining loans. After all, what more people will know about the possibility of obtaining a loan faster and cheaper by contacting a credit broker, the greater the flow of clients will be. Of course, you also need to prove yourself: provide quality services.

Overview of credit broker franchises

You can simplify the process of creating and starting a company providing credit brokerage services if you open such a business as a franchise. Let's move on to a review of two franchises that are represented on the franchising market in Russia.

The company positions itself as a center for raising financing for people and businesses. Partners are offered three tariff plan to choose from: “Start”, “Standard” and “Exclusive”. You can find out the cost of a franchise on the company’s website: http://franch.banksovetnik.ru.

“Banking Advisor” offers not just assistance in opening a credit broker company, but a ready-made business model, which includes:

• site development;
• office design project;
• CRM system with a credit history checking module;
• online training;
• drawing up a business plan;
• templates for all types of contracts;
• plus a number of additional options (depending on the package).

Watch the video about the Bank Advisor franchise

Franchise "Financial Partners"

The company "Financial Partners" acts as an intermediary in the provision of services when registering consumer loans, mortgages, business loans, car loans, leasing. Website link: franchise.fin-partners.ru.

Franchise packages are described in Table 1.

Table 1. Offers for partners of the Financial Partners company

Composition and cost of the package	Package "Light"	Package "Standard"	“All at once” package
Who is it suitable for?	For cities with a population of less than 300 thousand people or for already operating companies	For cities with a population of 300 thousand or more.	For cities with a population of more than 300 thousand people
Time to launch
What's included	Office launch; Branded CRM system; Launching client flow; Online course for employees; Contracts for work; Business cards and corporate identity; Marketing kit; Online consultations	The entire Light package plus: Opening and arrangement of an office; Recruitment; Course of Study; 50 customer applications for loans and mortgages; At least five channels of work with banks; At least five certificates from partner banks	The entire Standard package plus: At least ten channels for working with banks; At least ten certificates from partner banks; Recruitment of employees; 100 customer applications for loans and mortgages; Departure of a specialist to launch the office and training; Credit history correction services; For 5000 rubles. check balance replenished
Franchise cost	390,000 rubles	590,000 rubles	890,000 rubles

Financial business is one of the most profitable and at the same time the most expensive areas entrepreneurship. It consists of purchase and sale transactions financial assets in financial markets both within the state and on international level. Credit and financial institutions are used to carry out these operations. These include:

• states,
• central banks,
• investment banks,
• commercial banks,
• stock Exchange,
• currency exchange,
• electronic network markets,
• credit unions,
• specialized financial companies,
• investment and hedge funds,
• pension funds,
• insurance organizations,
• commercial and trading companies,
• population and private investors.

Although at the same time there are only two components of the financial business:

1. Issue of banknotes and valuable papers.
2. Financial services.

Features of modern financial business

IN Lately There is a deep integration of international financial markets and currency centers, thanks to the development of computer technology and the Internet. The development of new banking systems and financial techniques has led to a real revolution in this area. The timing of transfers, execution of transactions and other banking operations have become almost instantaneous. New conditions for the operation and structure of financial markets are being formed.

Although today the gold reserve of the Central Bank remains the state's insurance fund and a store of value for individuals, convertible currency and SDR - special means of borrowing - are beginning to play a major role. Gold has served as world money for quite a long time, but now its demand has sharply decreased.

On the other hand, such drastic changes that have occurred in the financial business sector, in addition to positive trends, have a number of disadvantages. These include the progressive problem of international debt and the increasing frequency of financial crises on a national and international scale. At the same time, the attractiveness of financial business continues to grow. According to experts, approximately 45% of Americans own securities and are active on the stock exchange. There are more than 1,000 banks and 2,000 securities market participants in Russia.

Organization and activities of a commercial bank

One of the most common financial institutions is commercial Bank. To open it, capital of at least 180 million rubles will be required, with a confirmed source of receipt. You will also need to go through a complex approval process to receive banking license. To do this, you need to provide a package of documents detailing all the participants involved, from interested companies and directors to shareholders of enterprises.

A commercial bank can carry out the following activities:

• support of trade transactions with foreign currency,
• investment intermediation,
• making payments in cashless form,
• credit transactions,
• expert activity,
• leasing and factoring,
• deposit storage.

This activity can be carried out through commissions ( settlement transactions), passive (raising funds) and active (placement of funds) banking operations. All types of banking operations are regulated federal law“About banks and banking activities”, Tax Code RF and others legislative acts. The supervisory authority is the Bank of Russia. Financial business is always clearly regulated and accountable.

Stock Exchange

A security is a document of a special form that certifies the relationship of a loan or property law between the owner of the security and the issuer. Where is the issuer – physical or entity, which issued the security. To open a stock exchange, as well as for commercial bank, you will need a license, approval and a host of other conditions met. The stock exchange is an intermediary between sellers and buyers of securities.

The financial business here is to ensure the legal circulation of securities. At the same time, the securities themselves undergo strict selection through the listing system. To do this, all information about the securities offered and about the issuer is entered into the exchange list. Once listed on the stock exchange list, securities are called stock values.

For the successful functioning of the stock exchange, a clear system of supply and demand is necessary. The administration of the exchange strictly controls trading, as well as the activities of intermediary firms on the exchange. Regular quotations of securities, carried out by exchange specialists by comparing the rates of sellers and the rates of buyers, help organize purchase and sale transactions.

Especially for Cave Olga

In relation to the financial market, society is divided into two main categories. One knows nothing about it, which often gives rise to fear and prejudice towards the system. The other successfully takes advantage of the opportunities this mechanism provides. Perhaps your neighbor Petr Ivanovich, who recently bought a brand new Volvo XC 60, is in this second category. Therefore, we expand our understanding and carefully study what the financial market is and how to earn at least an average wages and, as a maximum... However, the maximum is different for everyone and depends only on you.

Financial market is a regulated mechanism, a system (virtual platform, if you like) on which currency, shares, gold, raw materials and other financial instruments are sold and bought. And it doesn’t matter where on the planet the sellers and buyers are, and how many thousands of kilometers separate them from each other. Regulation of the financial market is the sphere of activity of central banks and international bodies that issue licenses for the activities of market participants. Therefore, the financial market is an absolutely controlled system.

Depending on what resources are bought/sold on the market, the sites are classified. The main financial markets are the stock market (shares are traded), foreign exchange or forex (a huge platform for buying/selling monetary units different states), precious metals, raw materials, contracts and others. More about types of financial market read the article “ " The structure of the financial market is described in a generalized and easy-to-understand manner in the diagram.

Participants in the financial market are direct sellers and buyers (and the seller can become a buyer, and vice versa), that is, central and commercial banks, enterprises, insurance companies and all kinds of funds, as well as intermediaries - brokers and dealers. To learn more about financial market participants, look at the article “” . And most importantly, today everyone can become a participant in this reasonable, profitable mechanism.

Why do we need a financial market?

The international and Russian financial markets pursue the same goals, but at different levels. These are the main functions of markets.

• Ensure the purchase and sale of currency, shares, gold, raw materials within the state and between countries.
• Redistribute capital between market participants. For example, a dairy factory decided to produce yoghurts. But he doesn’t have the money now to buy the necessary equipment. The plant produces additional shares and places them on the global financial market or regional (in Russia, for example), and specifically on stock exchange. At this time, investors (people or other enterprises) who believe that the plant will increase profits by selling yoghurts, which means its value will increase significantly, buy new shares of the plant. Conventionally, 1 dollar per share. The plant receives money, installs equipment, and successfully sells yoghurts. Thus, the value of his assets increases, which means that the stock also becomes more expensive. If an investor urgently needs money, he sells shares of the dairy plant to other market participants, but at $1.50 a share. Thus earning 50 cents per share. Out of the blue, by double-clicking the mouse (conditionally, of course). Everyone is happy - the plant with new equipment, the investor - with a profit. Working with the financial market is more profitable than working with a bank for both the plant and the investor - Bank loan you will have to pay it back, and even with interest, and the deposit does not give the same profit as shares.
• Manage financial risks or insure companies doing business abroad against currency fluctuations (called hedging). This is futures and options trading. See more details in .
• Manage investments. By monitoring the state of the market, you can profitably sell and buy shares, currencies, gold, raw materials, and so on, and earn even 30% per year of the investment amount. This is what non-state pension funds, insurance and other financial companies do. Only there a trader with at least five years of experience does this, and there is a whole department that makes decisions on this or that operation.
• Earn speculative income. And this is where the financial market becomes interesting to the average person. Look further.

How can an ordinary person make money in the financial market?

A person cannot directly enter the market and buy/sell currency, shares, or gold there. To do this, he needs an intermediary - a broker or dealer. With an intermediary, you can become a trader (that is, a buyer and seller) and make money on the successful purchase and profitable sale of financial assets. All you need for this:

• choose a reliable broker; what else, besides reviews, should be taken into account when choosing a broker, see the article “ ”;
• complete free distance learning;
• practice trading on a trial account (this is called a demo account);
• open a real deposit with a broker and get an experienced financial analyst for the company;
• make transactions by listening to the consultant;
• earn.

It is very important to listen to the opinion of the company analyst. He has been working at the stock exchange for a long time and knows it better. Besides, the broker makes money if you make money, so there is no conflict of interest. Over time, you will become a professional trader and will be able to make decisions on your own. In principle, you can do this at any time, but we recommend that you listen to the opinion of a personal consultant in the first stages of work.

Advantages of investing in the financial market

And finally, why the financial market is a reliable and one of the most profitable investments.

Where do you usually keep your spare cash? In Russia, people trust their home safe and banks most of all. Endowment insurance and all kinds of funds in the CIS have not yet become widespread. Neither the first nor the second method guarantees your safety, much less an increase in your finances. But money should work, even when you are just sleeping. Hence the advantages of working in the stock, foreign exchange, commodity and other markets in comparison with banks.

• Profitability in the financial market is much higher than if you put money in the bank. Especially if we consider the long term. Average, bank rate varies from 8.5 to 9.5% per annum! On the stock exchange, with the right approach, you can earn from 30% per year! In addition, you do not need to wait until the deposit period expires if you urgently need money. And remember the regular moratoriums on withdrawals of deposits in banks, when you simply cannot withdraw your rubles or dollars at the right time. Brokers do not have this, and if necessary, you can withdraw your deposit at any time.
• Profit depends only on you. Free training and interaction with a broker consultant will allow you to become the master of your life. You decide for yourself when and what currency or raw materials to buy. A great opportunity to finally take responsibility for your life and start living with dignity.

If you are ready to take the first step towards success, then register now and your first million will become closer.

This is a very attractive business, and, according to many experts, the most profitable and most expensive type of entrepreneurship. The essence of this type of business is to carry out purchase and sale transactions of various financial assets in order to obtain benefits, both within the state and abroad. To be able to carry out such operations, it is necessary to exist special credit and financial institutions, which today mean:

• State.
• Central Bank.
• Network of commercial banks.
• Group of investment banks.
• Stock exchanges.
• Currency exchanges.
• Electronic markets.
• Hedge funds.
• State and non-state.
• Insurance companies all forms of ownership.
• Various trading and commercial companies.
• Private investors (residents of the country and abroad).

If we analyze the activities of all these structures, all their operations globally can be reduced to two types:

• Issue of money (banknotes or treasury notes) and securities (stocks or bonds).
• Providing various financial plan services.

Features of financial business in modern conditions

Now in the world financial system The process of integration of all world currency centers and financial markets is underway. In many ways, this became possible thanks to the rapid development of the Internet and computer technologies, which led “literally” to a revolution in this area. Existing banking systems allow you to carry out financial transactions instantly, almost in real time. Undoubtedly, these features have left their mark on the existing global financial system and its structures.

For a long time, gold played the function of the world currency in financial markets. Present time made adjustments. And although before today The reserves of the central banks of countries are called gold and foreign exchange reserves; the main role in their formation is played by freely convertible currencies, as well as special borrowing funds (often referred to as SDR).

However, the type of financial business has changed not only in a positive direction, but also in a negative one. One of the most important and pressing problems is the total international debt, which is the main reason for the current financial crises, local and global. However, the financial business not only does not become less attractive, but rather is constantly growing and developing. Today, in the United States alone, about 45% of citizens own securities, and are also active on stock exchanges. Russia is also actively developing the financial business; there are more than 1,000 banking institutions in the country, as well as over 2,000 issuers of securities.

as the main financial institution

The forms of financial business are quite diverse, but the most common type of credit financial institutions considered a commercial bank. Opening this institution is a very expensive business. Today, the minimum funds required to open a commercial bank are more than 180,000,000 rubles; these funds must have a legal, established origin. This requirement is just one of the few requirements that must be met to obtain a license.

As a rule, commercial banks carry out a full range of financial services. Today, a “gentleman’s” set of financial services from a commercial bank looks like this:

• Support of transactions in foreign currency.
• Intermediary services in the field of investments.
• Expert review.
• Leasing and factoring operations.
• Acceptance of funds for deposit storage.

The financial and monetary sector, as an independent element of the money economy, forms financial market.

World financial market is a set of national and international markets ensuring the direction, accumulation and redistribution of monetary capital between market entities through financial institutions in order to achieve a normal balance between supply and demand for capital.

The monetary sector, which includes finance and credit, is a specific market with its turnover and income. The global financial market shows society Financial services , supplying him with money at the right time and in the right place. In other words, a specific product in the financial market is . As a commodity, money circulates in such sectors of the global financial market as the credit, securities, foreign exchange, insurance, etc. (Fig. 23).

The global financial market in its own way economic essence is a system of certain relations and a unique mechanism for collection and redistribution on a competitive basis financial resources between countries, regions, industries and institutional units.

The financial market consists of a number of sectors: investment, credit, stock, insurance, currency.

Rice. 23. Financial market structure:

• (stock market)
• Investment market

In the financial market, the object of purchase and sale is. However, there is fundamental difference transactions in various sectors of the financial market. If on the credit market money is sold as such, i.e. they themselves are the object of transactions, then on stock market, for example, the rights to receive cash income, already created or future, are sold.

The financial market is not only a means of redistributing monetary resources in the economy (on payment terms), but also an indicator of the entire state of the economy as a whole. The essence the financial market is not simply the redistribution of financial resources, but primarily in determining the directions of this redistribution. It is in the financial market that the most effective areas for applying monetary resources are determined.

The structure of such a financial market can be presented as follows:

Financial market instruments

Financial instruments- these are documented in accordance with current legislation monetary obligations economic entities.

Currently in developed market economies There is a clear trend towards the merger of various financial intermediaries, as well as towards the diversification of their operations. The development of financial intermediation contributed to the emergence of a unique economic phenomenon — financial instruments, which include:

• IOUs
• credit cards
• insurance policies
• certificates
• various certificates giving the right to receive cash income And so on.

Financial instruments are either registered or bearer.