Current Problems of the Consumer Credit market in Russia

Anatoliy Rezepin; M. S. Fayzulin

doi:doi:10.12737/2587-9111-2020-65-73

VAK Russia 08.00.10 UDC 33 CSCSTI 06.61

Current Problems of the Consumer Credit market in Russia

Published в Scientific Research and Development. Economics · Volume 8, Issue 3, 2020 · Pages 65–73 · Rubrics: Сommon questions

DOI 10.12737/2587-9111-2020-65-73

Received: 19.03.2020 Accepted: 01.06.2020 Published: 17.06.2020

Authors

Anatoliy Rezepin ¹ · M. S. Fayzulin ²

1 Cherepovets state University (kafedra ekonomiki i upravleniya, docent)
from 01.01.2008 until now Cherepovec, Vologda, Russian Federation

2 FGBOU VO «Cherepoveckiy gosudarstvennyy universitet» (kafedra ekonomiki i upravleniya, Master’s Degree Student)

ABSTRACT

The analysis of the development of the consumer credit market has shown that there are a number of problems associated with the growth of borrowers debt among the population. Accelerated growth in lending and reduced solvency of borrowers led to a steady decline in real incomes of citizens and the development of the non-banking financial sector. The authors set a goal to conduct a study of the relationship between the development of the consumer banking lending market and the solvency of the population. Based on the conducted research, the main factors influencing the growth of retail consumer lending and the solvency of citizens were identified. These factors include the development of the MFI market, the lack of credit monitoring by the banking sector, inappropriate provision of credit resources, and a steady decline in real incomes of the population. On the basis of comparative analysis, statistical, economic and mathematical methods, the dependencies between the current macroeconomic indicators were determined, which confirmed the assumptions about the falling solvency of Russian citizens and the unstable state of the banking sector. Applying the results of the current study will be effective for carrying out reforms in the field of monetary policy of the state and changes in the legislation regulating the activities of commercial banks and microfinance organization.

KEYWORDS

bank sector borrowers creditworthiness consumption lending microfinancial organizations mortgage lending

Information References

Authors:

1. Cherepovets state University (kafedra ekonomiki i upravleniya, docent)
from 01.01.2008 until now
Cherepovec, Vologda, Russian Federation

2. FGBOU VO «Cherepoveckiy gosudarstvennyy universitet» (kafedra ekonomiki i upravleniya, Master’s Degree Student)

Type:

Article

Pages:

from 65 to 73

Status:

Published

Subject area:

VAK Russia 08.00.10
UDC 33
CSCSTI 06.61

Language:

Russian

Keywords:

bank sector, borrowers creditworthiness, consumption lending, microfinancial organizations, mortgage lending

References

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