Proceedings of the International Scientific Conference "Competitive, Sustainable and Secure Development of the Regional Economy: Response to Global Challenges" (CSSDRE 2018)

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Assessment of the debt burden and the crediting risks of the population of Russia and the Volgograd region

Authors
Alla Litvinova, Evgeniy Litvinov, Elena Chernaya, Dmitriy Ovcharov
Corresponding Author
Alla Litvinova
Available Online May 2018.
DOI
10.2991/cssdre-18.2018.38How to use a DOI?
Keywords
credit, crediting of the population, debt burden, DTI ratio, PTI ratio, credit risks
Abstract

In the article the role of the assessment of the debt burden of the population as a tool of the risk reduction in the retail crediting is specified. This evaluation will help limit the access to credit resources to the borrowers with a high probability of the non repayment of borrowed money. The situation with the past due debts in the retail crediting sector in Russia is analyzed. The review of the use of the universally recognized ratios of the debt burden DTI and PTI in the international and domestic banking practice is presented. The way of the calculation of the debt burden of the population at the national and at the regional levels is suggested. This methodology shows the relation of current credit obligations and the incomes of the population employed in the economy who are the main borrowers of credit resources. A comparative analysis of the scale and the dynamics of the debt burden for credits of individuals in Russia and in the Volgograd region is carried out. The measures for the reduction of the debt burden of the population on the country and its regions are suggested.

Copyright
© 2018, the Authors. Published by Atlantis Press.
Open Access
This is an open access article distributed under the CC BY-NC license (http://creativecommons.org/licenses/by-nc/4.0/).

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Volume Title
Proceedings of the International Scientific Conference "Competitive, Sustainable and Secure Development of the Regional Economy: Response to Global Challenges" (CSSDRE 2018)
Series
Advances in Economics, Business and Management Research
Publication Date
May 2018
ISBN
978-94-6252-514-6
ISSN
2352-5428
DOI
10.2991/cssdre-18.2018.38How to use a DOI?
Copyright
© 2018, the Authors. Published by Atlantis Press.
Open Access
This is an open access article distributed under the CC BY-NC license (http://creativecommons.org/licenses/by-nc/4.0/).

Cite this article

risenwbib
TY  - CONF
AU  - Alla Litvinova
AU  - Evgeniy Litvinov
AU  - Elena Chernaya
AU  - Dmitriy Ovcharov
PY  - 2018/05
DA  - 2018/05
TI  - Assessment of the debt burden and the crediting risks of the population of Russia and the Volgograd region
BT  - Proceedings of the International Scientific Conference "Competitive, Sustainable and Secure Development of the Regional Economy: Response to Global Challenges" (CSSDRE 2018)
PB  - Atlantis Press
SP  - 174
EP  - 179
SN  - 2352-5428
UR  - https://doi.org/10.2991/cssdre-18.2018.38
DO  - 10.2991/cssdre-18.2018.38
ID  - Litvinova2018/05
ER  -