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Выявление сфер кредитования, подлежащих кредитному рационированию . Identification of lending areas subject to credit rationing

Author

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  • Лобов А.А.

    (Новосибирский государственный университет)

Abstract

В статье рассматривается потребительское кредитование и кредитование малого и среднего бизнеса, оценка уместности кредитного рационирования в этой сфере. Представлен разработанный метод анализа неоднородной популяции заёмщиков, когда банк не может различить заёмщиков по типу между собой, а они знают свою платежеспособность.Consumer loans and loans to small- and medium-scale businesses as well as appropriateness of credit rationing are examined in the article. The method developed for analysis of heterogeneous samples of borrowers in case of bank’s inability to distinguish the types of borrowers while the latter are unaware of their solvency is presented.

Suggested Citation

  • Лобов А.А., 2013. "Выявление сфер кредитования, подлежащих кредитному рационированию . Identification of lending areas subject to credit rationing," Мир экономики и управления // Вестник НГУ. Cерия: Cоциально-экономические науки, Socionet;Новосибирский государственный университет, vol. 13(1), pages 5-18.
    • Handle: RePEc:scn:guhrje:2013_1_01
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