Miroshnichenko O.S. People's incomes as a potential for development of bank lending: comparative analysis of Russian regions

Miroshnichenko O.S. People's incomes as a potential for development of bank lending: comparative analysis of Russian regions

Автор: Voronova Natalya S., Miroshnichenko Olga S.

Журнал: Economic and Social Changes: Facts, Trends, Forecast @volnc-esc-en

Рубрика: Public finance

Статья в выпуске: 4 (58) т.11, 2018 года.

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The paper explores the development of bank lending to individuals in relation to Russian people's incomes. Using the data of the Central Bank of the Russian Federation, the Federal State Statistics Service, and with the help of EXCEL software, we carry out statistical analysis of the indicators characterizing people's satisfied demand for bank loans and compare them with the indicators of per capita income in 2010-2017, in the context of the federal districts of the Russian Federation, the city of Moscow, the Republic of Crimea and the city of Sevastopol (after 2014): we consider the volume of loans issued by banks during the year per inhabitant of the relevant territory, we calculate the correlation indicators of average per capita cash incomes and loans issued by banks per capita taking into account the purpose of lending; we estimate the distribution of the volume of loans issued per capita depending on the average per capita income. We find that the increase in per capita income is not accompanied by a proportional increase in bank loans per capita...

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Provision of loans to people, people's incomes, income inequality, ltv, dsti, consumer behavior

Короткий адрес: https://sciup.org/147224070

IDR: 147224070   |   DOI: 10.15838/esc.2018.4.58.9

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