ПОТРЕБИТЕЛЬСКОЕ КРЕДИТОВАНИЕ В РОССИИ: ОСНОВНЫЕ ПРОБЛЕМЫ НА СОВРЕМЕННОМ ЭТАПЕ
This article is devoted to the current state and problems of consumer lending in Russian commercial banks. As a result of the research, it was found that during the analyzed period, the volume of consumer lending in Russia increased, reaching the level of 17 475 billion rubles in December 2019. Almo...
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| Language: | Russian |
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North Caucasus Federal University
2022-02-01
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| Series: | Вестник Северо-Кавказского федерального университета |
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| Online Access: | https://vestnikskfu.elpub.ru/jour/article/view/309 |
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| author | A. Fedorova R. Cherkashnev O. Chernyshova |
| author_facet | A. Fedorova R. Cherkashnev O. Chernyshova |
| author_sort | A. Fedorova |
| collection | DOAJ |
| description | This article is devoted to the current state and problems of consumer lending in Russian commercial banks. As a result of the research, it was found that during the analyzed period, the volume of consumer lending in Russia increased, reaching the level of 17 475 billion rubles in December 2019. Almost half of the working population of Russia has consumer loans. In January - February 2020, 2.61 million consumer loans were issued. The identified problems in the sphere of consumer lending included: unsecured loans, a decrease in the solvency of the population, a fairly rapid spread of Express lending (from January 2018 to January 2019, the growth in the volume of issued POS loans amounted to 8.8%), high interest rates on consumer loans, and as a result, a high percentage of non-repayment of loans. The share of overdue debt on consumer loans is still quite high, although it has a reduction dynamics. in the 4th quarter of 2019, the decrease in the share of overdue debt on consumer loans is typical for almost all regions. In January 2020, the reduction of consumer loan debt (15.5%) continued. |
| format | Article |
| id | doaj-art-4a91a03d6ec2452fa4460578c01859e2 |
| institution | Kabale University |
| issn | 2307-907X |
| language | Russian |
| publishDate | 2022-02-01 |
| publisher | North Caucasus Federal University |
| record_format | Article |
| series | Вестник Северо-Кавказского федерального университета |
| spelling | doaj-art-4a91a03d6ec2452fa4460578c01859e22025-08-20T03:37:30ZrusNorth Caucasus Federal UniversityВестник Северо-Кавказского федерального университета2307-907X2022-02-010396105308ПОТРЕБИТЕЛЬСКОЕ КРЕДИТОВАНИЕ В РОССИИ: ОСНОВНЫЕ ПРОБЛЕМЫ НА СОВРЕМЕННОМ ЭТАПЕA. Fedorova0R. Cherkashnev1O. Chernyshova2Tambov state University named after G. R. DerzhavinTambov state University named after G. R. DerzhavinTambov state University named after G. R. DerzhavinThis article is devoted to the current state and problems of consumer lending in Russian commercial banks. As a result of the research, it was found that during the analyzed period, the volume of consumer lending in Russia increased, reaching the level of 17 475 billion rubles in December 2019. Almost half of the working population of Russia has consumer loans. In January - February 2020, 2.61 million consumer loans were issued. The identified problems in the sphere of consumer lending included: unsecured loans, a decrease in the solvency of the population, a fairly rapid spread of Express lending (from January 2018 to January 2019, the growth in the volume of issued POS loans amounted to 8.8%), high interest rates on consumer loans, and as a result, a high percentage of non-repayment of loans. The share of overdue debt on consumer loans is still quite high, although it has a reduction dynamics. in the 4th quarter of 2019, the decrease in the share of overdue debt on consumer loans is typical for almost all regions. In January 2020, the reduction of consumer loan debt (15.5%) continued.https://vestnikskfu.elpub.ru/jour/article/view/309bankconsumer creditkey rateretail creditdebtoverdue debtinterest ratecredit oblems |
| spellingShingle | A. Fedorova R. Cherkashnev O. Chernyshova ПОТРЕБИТЕЛЬСКОЕ КРЕДИТОВАНИЕ В РОССИИ: ОСНОВНЫЕ ПРОБЛЕМЫ НА СОВРЕМЕННОМ ЭТАПЕ Вестник Северо-Кавказского федерального университета bank consumer credit key rate retail credit debt overdue debt interest rate credit oblems |
| title | ПОТРЕБИТЕЛЬСКОЕ КРЕДИТОВАНИЕ В РОССИИ: ОСНОВНЫЕ ПРОБЛЕМЫ НА СОВРЕМЕННОМ ЭТАПЕ |
| title_full | ПОТРЕБИТЕЛЬСКОЕ КРЕДИТОВАНИЕ В РОССИИ: ОСНОВНЫЕ ПРОБЛЕМЫ НА СОВРЕМЕННОМ ЭТАПЕ |
| title_fullStr | ПОТРЕБИТЕЛЬСКОЕ КРЕДИТОВАНИЕ В РОССИИ: ОСНОВНЫЕ ПРОБЛЕМЫ НА СОВРЕМЕННОМ ЭТАПЕ |
| title_full_unstemmed | ПОТРЕБИТЕЛЬСКОЕ КРЕДИТОВАНИЕ В РОССИИ: ОСНОВНЫЕ ПРОБЛЕМЫ НА СОВРЕМЕННОМ ЭТАПЕ |
| title_short | ПОТРЕБИТЕЛЬСКОЕ КРЕДИТОВАНИЕ В РОССИИ: ОСНОВНЫЕ ПРОБЛЕМЫ НА СОВРЕМЕННОМ ЭТАПЕ |
| title_sort | потребительское кредитование в россии основные проблемы на современном этапе |
| topic | bank consumer credit key rate retail credit debt overdue debt interest rate credit oblems |
| url | https://vestnikskfu.elpub.ru/jour/article/view/309 |
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