Availability of loan risk information is assessed by six factors: companies and individuals, positive and negative credit history, small loans data, credit history access for borrowers. Each factor earned Russia one point.

Russia received a zero only in available information on payment discipline for companies and private individuals.

In developed countries this data is provided by counterparties supplying rated companies with goods and services. In Russia, SPARK-Interfax/D&B payment data collection has been launched, but at present its outreach is a few thousand local companies.

This year, Russia is #112 in Doing Business 2013, up 8 places since last year.

The survey ranks countries by all basic criteria of business regulation, including loan availability, which is partly connected with access to credit risk data.

Russia is down from #98 to #104 in loan availability due to insufficient regulation improvement. "It’s as simple as that – Russia has not done much and other countries have taken the lead, standing in one place is likely to cause a slip in ratings, since other countries are looking to improve their regulation", said Augusto Lopez-Claros, Director of Global Indicators and Analysis with the World Bank Group.

Project Group №1