Year of Graduation
Credit behavior of Population in the Russian Federation
Faculty of Economics
In current research the analysis of credit behavior of the potential borrowers living the Russian Federation was carried out. On the basis of the analysis of the scientific articles devoted to studying the problem of credit behavior of population, it was revealed that it is crucial to analyse the influence of the external economic factors and income factor as well as social and psychological factors on the individual’s desire to take a loan. Within this research work the analysis of the existing borrowers of the Russian Federation on the basis of the Russian Target Group Index database was carried out and the regression analysis of behavior of the potential borrowers living in the Russian Federation, on the basis of the RLMS-HSE database was made. Econometric analysis enabled to draw the conclusion that economic, social and psychological factors had impact on the credit behavior of potential borrowers in the Russian Federation.