The expert spoke about the principles of compiling "black lists" in banks.

Many people believe that bank "blacklists" of clients are internal databases for unreliable people. In fact, this is what lists and registers are called, which are maintained to comply with the interests of shareholders, the requirements of legislators and regulators. This was announced on June 17 by Elman Mehdiyev, Director General of the Association for the Development of Financial Literacy.

"Some of these "registries" are even "interbank", but each lender decides for himself how much the information stored in the BKI is a stop factor for him, unless it helps to comply with the requirements of the regulator of the entire market," the Prime agency quoted the expert.

Financial institutions act by analyzing the available data when making decisions. Clients who have debts on financial obligations, as well as those who are in the database of enforcement proceedings, are often denied.

It is clarified that recently participants of fraudulent schemes have been included in such "lists". Among the criteria, the expert named transfers to accounts related to cashing out or receiving funds from intruders, suspicious transactions in money laundering and terrorist financing.

Financial institutions can also keep internal records of "conflicting clients" and reduce their service. Recently, it has been quite popular to insult employees working in the recovery department. But after banks began to help them sue such people, such cases decreased.

In order to avoid being included in such "lists", it is necessary to repay debts on time and make payments for taxes. The expert also advised to keep an eye on your credit history. It can be checked twice a year for free at each Credit History Bureau (BCI).

"If you have problems with the quality of your credit history and the level of debt burden, close your unused credit cards, pay off the most expensive debts, and after a while check the data update in the BCI," the expert emphasized.

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Earlier, on June 13, Mehdiyev told Izvestia about simple steps towards financial stability. He believes that even free apps related to cost accounting help identify unnecessary expenses.