MODERN CREDIT SYSTEM AND PROSPECTS FOR ITS DEVELOPMENT IN RUSSIA
https://doi.org/2225-8264-2023-3-114-121
Abstract
This article conducts a study of the lending system and the prospects for its development. In the modern economy, bank lending has reached a very high level, because the development of affordable bank lending is the key to the positive development of the economy as a whole. Note that the growth of bank lending was also observed in Russia.
The rapid development of credit relations has given rise to legal problems, because a big drawback in Russia is the imperfection of regulatory legal acts, which was especially pronounced during the crisis.
Loans are one of the important aspects of investing the financial resources of a commercial bank, since they represent the main part of the assets, and the profitability received on them constitutes the main part of the income. Due to the importance that loans occupy at the business level of individuals and institutions, bank officials need to pay special attention to loans by developing appropriate policies to ensure their safety.
The problems of the lending system in the Russian Federation are identified, recommendations for overcoming them and prospects for further development are given.
About the Author
Sh. U. Niyazbekova
Financial University under the Government of the Russian Federation
Russian Federation
Russian Federation
Shakizada U. Niyazbekova, Candidate of Economic Sciences, Associate Professor of the Department of Banking and Monetary Regulation
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Review
For citations:
Niyazbekova Sh.U. MODERN CREDIT SYSTEM AND PROSPECTS FOR ITS DEVELOPMENT IN RUSSIA. Herald of Siberian Institute of Business and Information Technologies. 2023;12(3):114-121. (In Russ.) https://doi.org/2225-8264-2023-3-114-121
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