Credit consumer cooperatives: educational program. Credit cooperatives what is it

If we talk simple language, then a cooperative can be called an association of physical and / or legal entities for the purpose of financing each other within the same organization.

Oversight of these financial institutions carried out by the Central Bank of the Russian Federation. Concerning legislative framework, then until 2009 the regulation was carried out according to No. 117-FZ. However, in July it was replaced by No. 190-FZ "On Credit Cooperation".

Detailed information on the name of the existing credit consumer cooperatives of citizens can be found in unified state register on the website of the Central Bank of the Russian Federation in the "Participants of financial markets" tab.

What does he do?

the main goal consumer credit cooperative consists in financial mutual assistance between its members. Some receive money to solve their problems / tasks / plans, while others give them for temporary use (loan) in order to receive benefits in the form of%. For investors, this is a great opportunity to earn good interest on providing funds. Indeed, for the most part, the money of the cooperative is spent on providing microloans to its members. The percentage of shareholders is many times higher than bank rates on deposits. For example, the PDA "Family Capital" offers shareholders from 24% per annum, in the PDA "DaNaYa" you can get up to 23% of the profit. That is, the main activities of credit cooperatives are:

• Acceptance of savings
• Issuance of microloans

The capital of almost every credit cooperative consists of the personal funds of shareholders, as well as attracted investments and money received from direct activities.

Member payments

Any cooperative has its own fees, which differ depending on the type and name of the organization. Among the main ones are:

1. Opening. It is not available in all organizations, but it does exist. The entrance fee is paid once upon joining.
2. Membership. Paid by members of the organization monthly, annually or quarterly.
3. Share. Money that shareholders give for temporary use to a credit cooperative. Subsequently, interest will be charged on this money. These funds are used to issue loans to those participants who need financial assistance.

Funds are created on the basis of these contributions:

1. Share. This money goes to direct financing of the organization's activities.
2. Spare. It is needed for unforeseen situations requiring additional costs if they occur
3. Mutual Aid Fund. Money from this fund goes to pay off microloans

Most of the cooperation funds are spent on providing loans to its participants. In such cases, a microloan agreement is drawn up between the lender (cooperation) and the borrower (its member). As additional measures precautions, it can be backed by a surety, pledge, etc. In most cases, cooperatives provide loans secured by property, maternal capital or surety. However, there are trustees that are issued for small amounts to those shareholders who have proven themselves well in this organization.

All income received at the end of the quarter / year is distributed among the members of the credit cooperative in strict proportion to the size of their share contributions. The higher the share contribution, the more the shareholder's income will be. Dividends are paid by joining shares or by issuing cash. Such conventions are spelled out in the charter or are decided at a special membership meeting.

I would also like to note that credit cooperatives cannot issue loans to persons who are not its participants. Also, they cannot act as guarantors or guarantors for loans of their members / other organizations.

There is certain conditions and on maximum loan amounts. For example, a credit cooperative does not have the authority to issue a loan to one member in the amount of more than 10% of those already issued. For new organizations operating less than 2 years, the threshold was increased to 20% of the amount. For example, if the total amount of funds issued is 100,000 rubles, then he is not entitled to issue a loan in the amount of more than 10,000 rubles, which is 10% of the total debt.

Removing the masks

You can't do without a fly in the ointment. Often, many pyramid schemes pretend to be credit cooperatives, collect contributions and, as they say, "Adyos". How can you recognize scammers? There are several secrets:

• Credit cooperation a priori cannot be LLC, CJSC, OJSC, because it is non-profit organization... Therefore, carefully study all documents and bylaws before joining.
• Inflated interest on contributions. For example, 20-30% per month - such a figure should alert anyone.
• Pronounced marketing activity.

There are other reasons why some organizations can be classified as pyramids, for example, if a credit cooperative is not included in any association. Cooperations that are less than 2 years old deserve special attention. Requirements for them are much more loyal than for older brothers.

Similarities and differences between an MFI and a cooperative

The most important and perhaps the only similarity between these organizations is the contingent of borrowers ( middle class). Both organizations accept funds at%. However, the minimum amounts, as well as interest, are different everywhere. What is there, that here the funds of depositors / shareholders are not subject to compulsory insurance by the DIA and do not guarantee 100% payment in case of bankruptcy.
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There are really many differences between these financial institutions. First, a microfinance organization is a private company whose main activity is to maximize profits for the benefit of its owner or a group of individuals. A cooperative is a non-profit organization, which means that generating value or profit is not a priority. A cooperative is an association of people organized by attracting funds from shareholders and their further placement in the form of loans provided. Secondly, the differences lie in interest rates on loans. In MFOs, it is much higher. Third, it is rather difficult to obtain a loan without collateral or guarantors in a cooperative. In MFOs, loans are issued according to one or two documents, while there is no need to make any contributions, etc.

Examples of

Credit cooperatives can be divided not only on a regional basis, but also by types of loans. For example, there are mortgage cooperatives Region-Novosel, Nirlan-Novosel, Petrograd, etc. In such PDA loans are issued not for personal needs / purchases, but for the purchase of housing. Special cooperatives for financing entrepreneurs "Aval". Here, a novice entrepreneur can get a loan to launch a startup or develop a business. There are special agricultural credit cooperatives, for example, Glazovsky Beekeeping, Rural Loan, etc. Such CPCs issue loans to villagers, for example, for the purchase of equipment, support for the farm, etc. As for ordinary credit cooperatives, they give out consumer microloans for personal purposes.

If you try in simple words explain the principles of lending for consumer cooperation, then a suitable analogue would be a mutual aid fund, which works according to a similar system. Indeed, a consumer credit cooperative is a voluntary association of citizens (as well as legal entities) designed to issue loans to needy participants in accordance with the organization's charter. At the same time, the main source of the formation of the fund is the contributions of the shareholders themselves, who receive their part from the general income of the cooperative.

What is a PDA

In order to understand what a credit cooperative is, let us first look at the legislation, which clearly states that the CPC is a non-profit organization. Such a cooperative is created not to make a profit, but to help its shareholders who can get a loan for favorable terms... At the same time, it is beneficial for participants to place their funds in the KPC fund, because the percentage will be higher than for bank deposit.

The recipients of the loan will not be the loser either, because they receive finance with less difficulty than with bank lending. If we compare a consumer credit cooperative with a bank, then in the case of a PDA, there are much less difficulties in obtaining money. For example, attempts by a novice entrepreneur to obtain Bank loan they are largely doomed to business development, due to the lack of a large income or credit history. But, in such a consumer cooperative, it will be much easier for him to get interested in a good idea in order to get funding for his project.

The history of the emergence of cooperatives

Russian credit cooperation originated in 1865, when the first savings and loan partnership was created in the Kostroma province. Further development can be called stable - if to late XIX century, there were several hundred such associations in the country, then by the revolution their number began to be measured in tens of thousands.

Today, at the request of our regular reader, consider credit cooperatives... From this article, you will learn what a consumer credit cooperative (CCP) is, how it operates, how it differs from banks and microfinance organizations, who and how it lends, where it takes funds to issue loans, and a lot of other useful and important information.

By their very nature, credit cooperatives have much in common with microfinance organizations, as do credit unions, credit societies, etc. However, in Russia all these are separate structures operating under a separate law and having several significant differences from MFOs. So, let's consider what a credit cooperative is, why it is created and how it works.

Organization of a consumer credit cooperative.

Credit cooperative(full legal name - consumer credit cooperative) - this is non-profit organization, which is an association of individuals and / or legal entities on a voluntary basis in order to meet their needs for borrowed funds. People or organizations unite in the PDA for some reason common feature(territorial, professional, etc.).

The CPC's activities in Russia are regulated by Federal Law No. 190-FZ "On credit cooperation", according to which the organization of a credit consumer cooperative requires at least 15 individuals, at least 5 legal entities, or at least 7 of both. The leadership of the CPC is carried out by the supreme governing body - the meeting of shareholders.

As can be seen from the definition, the activities of credit cooperatives are not aimed at making a profit. In fact, a consumer credit cooperative operates on the principle of a mutual assistance fund: participants (shareholders) place their deposits in it, at the expense of which loans are issued to the same participants. All this, of course, at interest: on loans they are higher, on deposits - lower.

In addition to the contributions of their members, credit cooperatives can attract borrowed funds from outside, but they can no longer issue loans to non-members. In addition, the CPC cannot act as guarantors and sureties for loans received in other financial institutions, including for their shareholders.

Credit cooperative funds.

Credit cooperative funds are created from the following sources:

1. Contributions of shareholders - members of the CPC. There can be 4 types of them:

– Membership fee- contributions required to cover recurring costs;

– Share contribution- contributions transferred by shareholders to the ownership of the KPC, at the expense of which it carries out its lending activities;

– Entrance fee- the contribution paid by the shareholder upon joining the CCP (it does not always exist);

– Additional payment- other contributions made by shareholders by decision general meeting, for example, if there are unforeseen expenses or you need to cover the losses of the credit cooperative.

2. Income received from the activities of the CPC (interest for the use of loans).

3. Funds raised from outside and other sources.

All these sources form credit cooperative funds:

1. Mutual financial assistance fund- funds intended for the issuance of loans to shareholders of a credit cooperative, for the sake of which the PDA is created.

2. Unit trust- funds intended for the payment of current expenses related to the activities of the PDA.

3. Reserve fund- funds intended to pay for unforeseen, unexpected expenses or to cover losses.

Financial standards of the credit cooperative.

The CPC is supervised by central bank and some others financial structures the state. In Russia, a credit cooperative can operate without violating the following financial standards:

1. Maximum amount loan for one KPC shareholder should not be more than 10% of the total amount of loans issued by the credit cooperative, if it has been operating for less than 2 years, and 20%, if more.

2. total amount funds of the CPC, directed not to the issuance of loans to shareholders per reporting period should not exceed 50% of the attracted capital of the shareholders in this period.

3. The size of the reserve fund must account for at least 5% of the funds raised by the cooperative.

In addition, can be introduced restrictions on the rates of accepted deposits, moreover, they can be both mandatory and recommendatory. For example, in January 2015. The Central Bank of the Russian Federation recommended to the KPC not to accept deposits at rates higher than three times the discount rate.

Since credit cooperatives are prohibited from making a profit, they cannot carry out trade or production activities. And if at the end of the year they have a positive financial results(income on loans exceeds interest on deposits and current expenses), then it is distributed among shareholders in proportion to the shares contributed.

SRO credit cooperatives.

Contributions to the CCP, as well, are not subject to the effect. However, in 2011, due to the increased popularity of the CCP, amendments to the legislation were adopted in Russia, according to which all credit cooperatives are now obliged to enter into SROs (self-regulatory organizations), on the basis of which monetary funds are created to pay the contributors of the cooperative in the event of its termination. activities.

SRO funds of credit cooperatives are created from deductions from the income of the CPC included in the SRO, income from the placement of funds received, and in other ways that do not contradict the law. SRO funds perform the function of insuring deposits in consumer credit cooperatives.

State SRO register of credit cooperatives Russia is posted on the website of the Central Bank of the Russian Federation (as well as the register of operating credit cooperatives).

In addition to participating in SROs, many credit cooperatives insure attracted deposits in insurance companies, and often even at their own expense, thus providing depositors with additional guarantees of repayment of funds.

Benefits of credit cooperatives.

Let's consider the main advantages of credit cooperatives, both for their participants-borrowers and for depositors.

1. The ability to get a loan when banks refuse. Credit cooperatives, in fact, are formed in order to create sources of financing for their shareholders. Here you can get a loan with a more loyal approach than. For example, without guarantors, collateral, with a bad credit history, to open a business with future income, etc. Credit cooperatives usually put a person's reputation more important than certificates and supporting documents.

Relatively new, but successfully developing, for Russian region non-profit association KPK stands for credit consumer cooperative, rather unusual for our market. What is a consumer credit cooperative? This is a voluntary association of citizens, the purpose of which is to provide material assistance (mutual assistance) by accepting deposits and issuing loans at interest to its participants (shareholders).

In essence, credit cooperatives are similar to microfinance organizations, but they have significant differences in some respects.

People unite in such unions (mutual credit partnerships) on some common basis (professional, territorial, etc.). The union of credit cooperation is headed by a meeting of shareholders - its members.

What is the main difference between the CCP and other microcredit organizations?

The main point here is that the opening PDA does not have its main purpose of gaining income.(although the availability of profit is not superfluous, and when the association is liquidated, it is divided between the shareholders). In fact, this is a mutual assistance fund (an organization created by the shareholders themselves), where the shareholders place their contributions, at the expense of which other shareholders receive loans. Issuance and acceptance of funds occurs at interest. For loans they are more, for deposits they are less. It is possible to attract borrowed funds from outside, but it is impossible to issue loans to non-members. Also, the KPC cannot act as a guarantor and surety for loans (even for its shareholders) in other financial associations.

People do not apply to the PDA very often due to the fact that such organizations are not yet so widespread in the financial market. The low prevalence is explained by the following points:

• the legislation governing the area of ​​activity of this association was developed relatively recently - in 2009;
• memories of all kinds of financial fraudsters like "MMM" are still alive in the memory of people;
• the level of awareness of such associations is rather low.

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Operating principles and rules

How this organization works:

1. Participants (shareholders) make an entrance fee (the amount of contributions may be different) in accordance with their shares in the organization. By the charter of the organization, other membership fees are also possible: annual, quarterly, monthly, additional;
2. A fund of the organization is formed from the contributions of the shareholders of a credit consumer cooperative, which consists of three parts: a reserve (needed to cover unforeseen expenses), a share (from which current needs are paid) and a mutual financial assistance fund for providing loans to shareholders.

What are the features of the organization of the KPC financial fund? The organization's budget is formed from the following sources:

• contributions of shareholders: membership, share, entrance and additional payments;
• income received from the activities of the KPC (interest on loans);
• funds received from outside and other sources.

The rules for the activities of such a union are determined by law and are contained in the following paragraphs:

There are also some restrictions on issuing loans and accepting deposits:

• the maximum loan amount per shareholder should not exceed 10% of the total amount of loans issued by this association (if the organization has been operating for less than 2 years) and not more than 20% (if the union was registered more than 2 years ago);
• the total amount of funds that is not directed to the issuance of loans (for the reporting period) should not be more than 50% of the attracted capital of the shareholders;
• the size of the reserve fund must be at least 5% of the funds raised.

In addition, there may be some restrictions on the rates of accepted deposits (these restrictions can be both mandatory and recommendatory).

PDA varieties

Since the PDA can include both individuals and legal entities, credit consumer cooperatives can be divided into the following types:

PDA standards

As for other credit institutions, the Central Bank of Russia for the KPC has established certain financial standards that must be observed:

• the size of the reserve fund must be at least 5% of the total amount of funds contributed by shareholders;
• the contribution of one shareholder cannot be more than 20% of all attracted funds;
• the volume of the mutual fund must be at least 8% of the volume of all funds of the shareholders;
• the volume of deposits from legal entities that are not members of the association should not exceed 50% of all deposits

The state monitors compliance with these standards and periodically arranges inspections.

What are the benefits of participating in a cooperative

Is it so profitable to be participants such a union?

If you regularly pay membership fees, then you can definitely get a loan for personal needs. The advantage of the PDA is that it will not study your credit history, collect documents on income and certificates from the place of work. One of the restrictions on the loan - you can be given a loan no more than 20% of the total amount of loans that were provided during the reporting period to the rest of the organization.

You also have the opportunity to receive a higher rate on the deposit than in the bank. You can manage the activities of the association as a shareholder, i.e. be aware of his financial affairs and influence decisions. With the consent of the general meeting, shareholders can invest cash v own business and get additional profit.

PDA advantages and disadvantages

How to distinguish a real consumer credit cooperative from “fakes” - financial pyramids and so on?

Please note that the name must contain the abbreviation KPC or Credit Consumer Cooperative. The presence of other abbreviations - LLC, CJSC, etc. mean something completely different. Before you are definitely scammers. You can confirm that it is actually a PDA by going to the Bank of Russia website. If it appears in the register of the Central Bank and the name completely coincides, like the INN and OGRN, then this is a real cooperative.

This cooperative will not offer rewards or benefits for attracting new shareholders. Be careful - the promised interest rates for the CCP will, of course, be higher than the bank interest rates, but not several times. If, when depositing money, you are not allowed to familiarize yourself with the documents, or the conditions are not clearly spelled out there, then you should think about joining such an association.

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Question answer

What is SPKK among other types of cooperatives?

SPKK is an agricultural consumer credit cooperative. It is the simplest form of cooperation and is more widespread than other types of cooperation. Such cooperatives are created by agricultural producers to meet their needs.

Parents of babies are increasingly wondering about the need and feasibility of routine vaccination for their children. We will talk about how the PDA vaccine is tolerated. Adults do not trust the manufacturers of vaccines, the quality of their production, adherence to the conditions of transportation and storage. In addition, the health of our children is impaired and weakened due to environmental factors- often babies suffer from allergic reactions. Questions arise about how the child will undergo vaccination, what kind of immune reaction will follow and what are the possible consequences for the baby's health. Everything in order in our article.

What diseases are MMR vaccinated against?

MMR vaccination is the introduction of diseases such as measles, mumps (popularly called "mumps") and rubella. Vaccination against these diseases can be carried out as part of a complex or monovaccine. Do children need protection from these diseases, how are they dangerous?

Measles is infection accompanied by a characteristic rash and fever. After about 5 days, the rash begins to decrease, the body temperature returns to normal. A short-term illness that goes away on its own - how is it dangerous for a child? The danger lies in the development of various serious complications: pneumonia, encephalitis, otitis media, eye damage and others. A feature of the spread of the disease is that, upon contact with a sick person, an unvaccinated child becomes infected in almost 100% of cases. Given this fact, children are less and less vaccinated with CPC, the consequences were not long in coming - the cases of the disease are increasing every year.

Rubella in childhood it is easily tolerated, often even without an increase in body temperature. Symptoms of the disease are a small rash and swollen lymph nodes. But the disease poses a serious danger to a pregnant woman, namely to her fetus. If a girl was not vaccinated against rubella in childhood or did not get sick with it, then as she grows up, she is at risk during pregnancy. Rubella disrupts regular infection future mother leads to miscarriage or premature birth. At the birth of a child, serious malformations of the newborn are possible, often incompatible with life. Therefore, the MMR vaccine is extremely necessary for girls.

Mumps affects the parotid salivary glands... Headaches arise, appears heat, up to 40 degrees, a swelling forms on the neck and in the ears. It is difficult for a child to chew, swallow. The following complications of mumps are possible: otitis media, inflammation of the brain, boys often develop inflammation of the testicles (orchitis), which in the future can lead to infertility.

All of the above diseases are transmitted by airborne droplets and household way, that is, every unvaccinated person can become infected, regardless of preventive measures.

The principle of action of the MMR vaccine

Vaccinate against diseases using a complex or monovaccine. The immune response is developed in 92-97% of vaccinated people.

Possess common property all drugs for MMR vaccination - they contain live (weakened) pathogens. How does the PDA (vaccination) work? The instruction indicates the direct infection of a person after the administration of the drug. But the vaccine provides for such a number of live microorganisms so that all protective functions begin to work in the body, including the production of antibodies to pathogenic flora. A full-fledged disease does not develop. However, various side reactions are possible. We will tell you more about them below.

What are MMR vaccines?

To date, the following drugs are used in the CIS countries for inoculating MMRs:

Measles vaccine:

1. Preparation L-16 Russian production... Manufactured on the basis of what is an advantage, since on chicken protein(namely, it is used in most foreign vaccines) children often have an allergic reaction.

From mumps:

1. The Russian live vaccine L-3, like the drug L-16, is made from a quail egg.
2. Czech drug "Pavivak".

Rubella:

1. "Rudivax" made in France.
2. Ervewax, England.
3. Indian SII vaccine.

Complex vaccines:

1. Russian medicine for measles and mumps.
2. "Priorix" is a Belgian-made CPC vaccine. Reviews of the drug are positive. He won the trust medical professionals and consumers. In private clinics for immunization against 3 diseases - measles, rubella and mumps - this particular vaccine is recommended as the safest and most effective.
3. The Dutch vaccine "MMP-II" has an ambiguous reputation - there is an opinion that after vaccination with this drug autism symptoms developed in children, but reliable verified information on this matter is this moment does not exist.

How is vaccination carried out?

Usually it does not cause difficulties in carrying out the MMR vaccination. The baby's reaction during insertion may be intense, restless crying. Post-vaccination complications may appear only on the fifth day after vaccination. In order to minimize possible side reactions, the procedure must be carried out in compliance with all safety standards. It is worth paying attention to the fact that the vaccine must be unpacked immediately before the procedure. Dissolve the drug only special solution that comes with the vaccine.

Newborns are inoculated in the thigh or shoulder area, for older children, in the subscapularis area, the CPC is inoculated. Complications that do not cause concern for health care providers may include the following: pain, redness, swelling in the area of ​​drug administration within two days. But if the above symptoms become pronounced and are accompanied by other adverse reactions, consultation with a pediatrician is necessary.

Vaccination schedule

The MMR vaccination is carried out in one-year-old babies, after which the immunization is repeated at the age of 6. V individual cases on medical indications and adults are vaccinated. For example, a woman while planning a pregnancy. It should be noted that the onset of conception should be planned at least 3 months after the MMR vaccination.

The vaccine is combined with other drugs for immunization: MMR can be carried out simultaneously with vaccinations against hemophilic infection, hepatitis A, KDP, tetanus, poliomyelitis vaccines.

Absolute contraindications for MMR vaccination

There are absolute and temporary contraindications to the MMR vaccination. We will have to refuse immunization in the following conditions of the patient:

• congenital or acquired immunodeficiency;
• the presence of cellular defects in immunity;
• severe reactions to previous vaccinations;
• the presence of an allergy to the components of the drug.

Temporary contraindications

In the event of temporary health disorders of the vaccinated child or adult, the CPC vaccination is carried out after complete recovery and restoration of the body's immune forces. Contraindications are as follows:

• taking corticosteroids, immunomodulating drugs, radio and chemotherapy;
• acute respiratory infections;
• exacerbation of chronic diseases;
• curable diseases of the circulatory system;
• kidney problems;
• fever and fever;
• pregnancy.

Common adverse reactions

PDA (vaccination) is usually well tolerated. Adverse reactions occur in 10% of cases. Some complications that arise do not cause concern for doctors; they belong to the list of normal immune responses to the drug. It is important to remember that any reaction to the MMR vaccine can occur only from 4 to 15 days after immunization. If any deviations in the health of the vaccinated person appeared earlier or later than the indicated dates, then they have nothing to do with the vaccination, with the exception of reddening of the injection site, which is observed in the first two days.

Common reactions after MMR vaccination include:

• temperature rise (up to 39 degrees);
• runny nose;
• cough;
• redness of the throat;
• enlargement of the parotid salivary glands and lymph nodes;
• allergic reactions: rash, urticaria (most often such reactions occur to the antibiotic "Neomycin" and the protein included in the preparations);
• women have post-vaccination complaints of pain in muscles and joints. Such a reaction in children and men is observed only in 0.3% of cases.

Complications

There have been cases of serious complications after MMR vaccination. Fortunately, they are rare, against the background of other disorders in the work of the body. The reasons for the development adverse reactions there may be diseases of the patient, poor-quality vaccine, improper use of the drug. Complications after MMR vaccination include:

1. Convulsions developing against a background of high fever. With this symptom, antipyretic drugs of paracetamol are prescribed, and it is also recommended to be examined by a neurologist to exclude the background development of damage to the nervous system.
2. Post-vaccination brain damage (encephalitis). When deciding whether to conduct or CPC, it should be borne in mind that such a complication after vaccination occurs 1000 times less often than with a full-fledged infection with measles or rubella.
3. After vaccination against mumps or complex vaccination, which includes this disease, in 1% of cases it is possible development of meningitis, whereas with the transfer of the disease, this figure reaches 25%.
4. Within 30 minutes after the vaccination, MMR is possible anaphylactic shock reaction... Only the injection of adrenaline will help save lives in such a situation. Therefore, do not self-medicate - contact a specialized public or private clinic for vaccination, and also follow all the doctor's orders, including track the reaction to vaccination within half an hour within the walls of a medical institution. It is also necessary to consult a visiting nurse on the fifth and tenth days after vaccination.
5. In extremely rare cases, registered thrombocytopenia- a decrease in platelets in the blood.

Preparation for vaccination

In order to reduce the risk of developing various post-vaccination complications, it is necessary to carry out preliminary preparation to immunization. Such measures are especially important when vaccinating children. Before routine vaccination, adhere to the following recommendations:

1. Do not introduce new foods into your child's diet. If the baby is on breastfeeding, a nursing mother should also follow a normal diet.
2. A few days before the intended vaccination, you must pass general analysis blood and urine to exclude latent, sluggish diseases.
3. Children who are prone to allergic reactions or have such complications during previous vaccinations may be prescribed antihistamines 2 days before vaccination and several days after vaccination.
4. After the MMR vaccine is performed, the body temperature often rises to high levels. But, nevertheless, doctors do not recommend taking antipyretic drugs in preventive purposes... They are prescribed only to children with a predisposition to take the medicine immediately after the vaccine is administered.
5. If your child is healthy and does not have any indications for taking medications, for the sake of safety, make sure that there are first aid medications in the house - antipyretics (Nurofen, Panadol) and antihistamines, such as Suprastin, before vaccination.
6. Immediately before vaccination, the child should be examined by a pediatrician: measure the temperature, evaluate general state health.

What to do after MMR vaccination?

Has the child received an MMR vaccine? The body can react only on the 5th day. To minimize the appearance side effects, follow some tips. So, after the vaccination, also prevent your child from trying new foods. In addition, exclude heavy food, you can not overfeed the baby. Increase your fluid intake.

In the first two days, it is better to stay at home, since the body of the crumbs is weakened and easily susceptible to infection various diseases... Limit contact with others for two weeks. Avoid hypothermia or overheating of the baby.

When should you call a doctor?

After vaccination, carefully monitor the baby's condition: regularly measure the temperature, observe his reactions, behavior, complaints. If the following symptoms are found, urgent medical attention is needed:

• diarrhea;
• vomit;
• high fever, which is not knocked down by antipyretic drugs;
• temperature above 40 degrees;
• severe allergic reaction;
• swelling or induration of the injection site, more than 3 cm in diameter, or suppuration;
• lingering gratuitous crying of the child;
• convulsions;
• Quincke's edema;
• suffocation;
• loss of consciousness.

When deciding whether to give your child a CPC (vaccine) or refuse, weigh the pros and cons. Consider the disappointing statistics that indicate that with full infection with measles, mumps or rubella, the likelihood of complications various degrees severity is hundreds of times higher than after vaccination modern drugs... In addition, the reviews of moms speak of high level the safety of the MMR vaccine - the vast majority of vaccinated children did not have any post-vaccination complications. Observe preventive measures and doctor's prescriptions - then the vaccination will only benefit your baby and protect against serious diseases.