Mechanism of Regulation and Assessment of Degree of Debt Load of the Population of the Russian Federation

Konstantin Malyshenko, Vadim Malyshenko, Diana Mardar, Marina Anashkina

2021

Abstract

This article reveals the problem of debt load of the population of the Russian Federation. The main purpose of the study is to determine the degree of debt load of the population on the basis of publicly available data, with the subsequent development of a final indicator that may be used in the analysis, control and regulation of the banking system of the Russian Federation. Methods of graphical analysis and modeling were used in the work. The authors have developed a coefficient of debt load of the population. On the basis of the presented coefficient and publicly available data, an assessment of the degree of debt load of the population was carried out. As a result of this author’s assessment, the necessity of introducing a control system for the RF loan capital market was substantiated. The authors identified the main stages of the implementation of this system, as well as the procedure for the banking sector, taking into account its functioning. The dynamics of the volume of funds provided by credit institutions, consumer and corporate lending in the Russian Federation is considered. The main methods of regulation of the banking sector at the present stage have been studied, the necessity of using the indicator and the system for monitoring the degree of debt load of the population has been substantiated, the procedure for its implementation and the mechanism of functioning have been presented. Based on the results of the analysis, it was concluded that in the Russian Federation there is a significant level of debt load of the population.

Paper Citation

in Harvard Style

Malyshenko K., Malyshenko V., Mardar D. and Anashkina M. (2021). Mechanism of Regulation and Assessment of Degree of Debt Load of the Population of the Russian Federation. In Proceedings of the International Scientific-Practical Conference "Ensuring the Stability and Security of Socio-Economic Systems: Overcoming the Threats of the Crisis Space" - Volume 1: SES, ISBN 978-989-758-546-3, pages 17-24. DOI: 10.5220/0010681600003169

in Bibtex Style

@conference{ses21,
author={Konstantin Malyshenko and Vadim Malyshenko and Diana Mardar and Marina Anashkina},
title={Mechanism of Regulation and Assessment of Degree of Debt Load of the Population of the Russian Federation},
booktitle={Proceedings of the International Scientific-Practical Conference "Ensuring the Stability and Security of Socio-Economic Systems: Overcoming the Threats of the Crisis Space" - Volume 1: SES,},
year={2021},
pages={17-24},
publisher={SciTePress},
organization={INSTICC},
doi={10.5220/0010681600003169},
isbn={978-989-758-546-3},
}

in EndNote Style

TY - CONF

JO - Proceedings of the International Scientific-Practical Conference "Ensuring the Stability and Security of Socio-Economic Systems: Overcoming the Threats of the Crisis Space" - Volume 1: SES,
TI - Mechanism of Regulation and Assessment of Degree of Debt Load of the Population of the Russian Federation
SN - 978-989-758-546-3
AU - Malyshenko K.
AU - Malyshenko V.
AU - Mardar D.
AU - Anashkina M.
PY - 2021
SP - 17
EP - 24
DO - 10.5220/0010681600003169