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Кредитные Стратегии Россиян Как Отражение Модели Финансового Поведения // The Credit Strategies Of The Russians As The Reflection Of The Model Of Financial Behaviour

Author

Listed:
  • A. Yarasheva V.

    (Financial University)

  • S. Makar V.

    (Financial University)

  • S. Reshetnikov B.

    (Financial University)

  • А. Ярашева В.

    (Финансовый университет)

  • С. Макар В.

    (Финансовый университет)

  • С. Решетников Б.

    (Финансовый университет)

Abstract

Topic. The article is devoted to the analysis of financial behaviour the Russians and the formation of strategies of credit behaviour of the Russian population.Purpose. Our purpose was: identification of the factors influencing the formation of financial behaviour of the population of Russia, determination of the role of credit services in the development of our country and its regions; clarification of the phase of the current state of consumer crediting; assessment of the current situation in the market of crediting of private individuals taking into account peculiarities of their strategies; generalization of the experience of the lending market by using a credit card; presentation of a typology of population’s credit behavior; determination of the shortcomings of modern monetary and credit practices on the basis of credit behaviour of Russians.Methodology. We use following methods: content-analysis, sociological methods (in-depth structured interviews), methods of expert evaluation, classification, and taxonomy.Results. The authors highlighted the most important aspects, the relationships, and trends of financial behavior of the Russians. Compiled data are considered as factors of formation and study of models of financial behavior. Taking into account the functions of the loan, we describe the characteristics and types of credit instruments, the role of credit services in the development of territories (whole country and regions). The authors study of consumer lending and determine the phase of its modern state. We assess the current situation in the market of consumers’ crediting taking into account their specific socio-income groups. Next, we classify the consumer credit services and present a typology of consumers’ credit behavior. We ground the factors of choice of models of borrowers’ behavior and identify the ‘gaps’ of modern financial and credit practices and generalize the experience of bank’s lending on the example the most common product—credit card.Conclusions. The authors propose ways to prevent possible negative processes in the credit market of Russia: financial education programs; improvement of the legislative base aimed at protection of the borrowers’ rights; an increase of consumers’ confidence in the financial (particularly the banking) system; the growth of living standards; state policy aimed at the sustainable socio-economic development of the country. Предмет. Статья посвящена анализу финансового поведения россиян и формированию стратегий кредитного поведения населения России.Цели. Выявить факторы, влияющие на формирование финансового поведения населения России. Определить роль кредитных услуг в развитии нашей страны и ее регионов. Уточнить фазу современного состояния сектора потребительского кредитования. Оценить текущую ситуацию на рынке кредитования физических лиц с учетом особенностей их стратегий. Обобщить опыт рынка банковского кредитования на примере использования продукта банковской карты. Представить типологию видов кредитного поведения населения. Определить недостатки современной кредитно-финансовой практики на основе моделей кредитного поведения россиян.Методология. Контент-анализ, социологические методы (глубинные структурированные интервью), методы экспертной оценки, классификации и типологии.Результаты. Выделены важнейшие аспекты, взаимосвязи и тенденции финансового поведения россиян. Данные позиции рассматриваются в качестве факторов формирования и изучения модели финансового поведения. С учетом функций кредита отражены особенности и виды кредитных инструментов, выявлена роль кредитных услуг в развитии территорий (страны и регионов). Проведено исследование сектора потребительского кредитования. Определена фаза его современного состояния, составлена оценка текущей ситуации на рынке кредитования физических лиц с учетом их принадлежности к определенным социально-доходным группам. В рамках исследования проведена классификация потребителей кредитных услуг и представлена типология видов кредитного поведения населения. Обоснованы факторы выбора модели кредитного поведения и определены «пробелы» современной кредитно-финансовой практики. Обобщен опыт рынка банковского кредитования на примере использования самого распространенного продукта — кредитной карты.Выводы. Авторами предложены пути предотвращения возможных негативных процессов на кредитном рынке России: программы финансового просвещения, совершенствование законодательной базы, защита прав заемщиков, повышение доверия населения к финансовой (в частности, к банковской) системе, рост уровня жизни, государственная политика, направленная на стабильное социально-экономическое развитие страны.

Suggested Citation

  • A. Yarasheva V. & S. Makar V. & S. Reshetnikov B. & А. Ярашева В. & С. Макар В. & С. Решетников Б., 2017. "Кредитные Стратегии Россиян Как Отражение Модели Финансового Поведения // The Credit Strategies Of The Russians As The Reflection Of The Model Of Financial Behaviour," Финансы: теория и практика/Finance: Theory and Practice // Finance: Theory and Practice, ФГОБУВО Финансовый университет при Правительстве Российской Федерации // Financial University under The Government of Russian Federation, vol. 21(6), pages 138-153.
  • Handle: RePEc:scn:financ:y:2017:i:6:p:138-153
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    References listed on IDEAS

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    1. Xu, Lisa & Zia, Bilal, 2012. "Financial literacy around the world : an overview of the evidence with practical suggestions for the way forward," Policy Research Working Paper Series 6107, The World Bank.
    2. Adele Atkinson & Flore-Anne Messy, 2012. "Measuring Financial Literacy: Results of the OECD / International Network on Financial Education (INFE) Pilot Study," OECD Working Papers on Finance, Insurance and Private Pensions 15, OECD Publishing.
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