Suchergebnisse

The article deals with the current situation on the consumer credit market and stresses the need to assess the availability of loans. It gives the analysis of the volume of provided loans to consumers in roubles and foreign currency in 2015 and 2016. The authors consider the dynamics of loans share with overdue payments in total, as well as the average weighted interest rates on consumer loans. The study is conducted to determine the availability of consumer loans in various regions. The article emphasizes characteristics of the basic problems in lending realm considering the present stage of development. The authors discuss the prospects of the consumer credit market in Russia, as well as recommendations on improving procedures of loans disbursement taking into account new credit instruments contributing to the development of consumer activity. The results of the research can be used by credit organizations to make decisions in crisis periods and within unstable circumstances of economic environment progress, as well as within the framework of making policy on the balanced social and economic development of the country. ; peer-reviewed

A new stage of developing the Russian real sector of economy focused on innovation development and import substitution is associated with a severe shortage of financial resources. The financial crisis, sanctions of the EU countries and the USA stipulated the need to form internal financial resources and innovational financial instruments. One of the promising mechanisms to provide the expanded reproduction is factoring. The article considers peculiarities of factoring transactions made by Russian and foreign banks. The factoring in PJSC JSCB Metallinvestbank was researched. Recommendations on improving the factoring efficiency were formed. ; peer-reviewed