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Обзор рынка банковского потребительского кредитования // Consumer Lending Market Survey

Author

Listed:
  • Джусангалиева К. // Jussangaliyeva K.

    (National Bank of Kazakhstan)

  • Конурбаева Н. // Konurbayeva N.

    (National Bank of Kazakhstan)

Abstract

Статья посвящена анализу рисков портфеля потребительского кредитования в Казахстане. В работе анализируется темп роста беззалогового кредитного портфеля, рассчитывается уровень задолженности на одного заемщика, проводится возрастное разграничение заемщиков. Авторами разработан ретроспективный индикатор, позволяющий оценить нагрузку на заемщика, существующую на текущий момент, и проведен анализ международного опыта ограничений, внедренных по долговой нагрузке населения. // The paper is devoted to the risk analysis of the consumer loan portfolio in Kazakhstan. The study analyzes the growth rate of an unsecured loan portfolio, calculates the level of debt per borrower, and distinguishes between borrowers by age. The authors developed a retrospective indicator that allows assessing the current burden on the borrower, and analyzed the international experience of limitations imposed on the debt burden of the population.

Suggested Citation

  • Джусангалиева К. // Jussangaliyeva K. & Конурбаева Н. // Konurbayeva N., 2023. "Обзор рынка банковского потребительского кредитования // Consumer Lending Market Survey," Economic Review(National Bank of Kazakhstan), National Bank of Kazakhstan, issue 2, pages 4-19.
    • Handle: RePEc:aob:journl:y:2023:i:2:p:4-19
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    More about this item

    Keywords

    беззалоговые займы; потребительское кредитование; коэффициент долговой нагрузки; unsecured loans; consumer lending; debt ratio;
    All these keywords.

    JEL classification:

    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance
    • E51 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit - - - Money Supply; Credit; Money Multipliers
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G51 - Financial Economics - - Household Finance - - - Household Savings, Borrowing, Debt, and Wealth
    • H31 - Public Economics - - Fiscal Policies and Behavior of Economic Agents - - - Household

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