IDEAS home Printed from https://ideas.repec.org/a/aca/journl/y2020id241.html
   My bibliography  Save this article

Modeling of financial and credit behavior of the population

Author

Listed:
  • A. A. Gukovskaya
  • V. A. Shumskii

Abstract

The growth of the consumer lending market in our country and in the world is accompanied by an increase in the indebtedness level of the population, which is a source of concern at the level of regulators. In these circumstances, the presence of a consistent applied model of financial behavior may be useful for all market participants – for banks and financial institutions, the use of such models will make it possible to assess the need for a loan from the position of the population, which will reduce the risk of delay in payments and defaults, and reduce the credit burden upon the population. The paper presents a model allowing description of the financial situation description for an individual on the basis of the determinants of financial behavior, selected on the basis of the discriminant analysis based on the NBCH database for 2008-2018, and to model his financial and credit behavior. The model has good predictive power, in 2019 the consumer lending market shown a steady positive trend, and from October 1, requirements for mandatory reserves have been tightened.

Suggested Citation

  • A. A. Gukovskaya & V. A. Shumskii, 2020. "Modeling of financial and credit behavior of the population," RSUH/RGGU BULLETIN. Series Economics. Management. Law, Russian State University for the Humanities (RSUH), issue 1.
    • Handle: RePEc:aca:journl:y:2020:id:241
    DOI: 10.28995/2073-6304-2020-1-82-96
    as

    Download full text from publisher

    File URL: https://economics.rsuh.ru/jour/article/viewFile/241/230
    Download Restriction: no
    File URL: https://libkey.io/10.28995/2073-6304-2020-1-82-96?utm_source=ideas
    LibKey link: if access is restricted and if your library uses this service, LibKey will redirect you to where you can use your library subscription to access this item
    ---><---

    Citations

    Citations are extracted by the CitEc Project, subscribe to its RSS feed for this item.
    as


    Cited by:

    1. Ya. O. Zubov, 2022. "Analysis and evaluation of the effectiveness of investment strategies in the modern Russian stock market," RSUH/RGGU BULLETIN. Series Economics. Management. Law, Russian State University for the Humanities (RSUH), issue 3 ч. 2.

    More about this item

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:aca:journl:y:2020:id:241. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no bibliographic references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Ð ÐµÐ´Ð°ÐºÑ†Ð¸Ñ (email available below). General contact details of provider: .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.