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List of publications on a keyword: «микрозаймы»

  • Directions for the development of microloan regulation in Russia

    Book Chapter
    Development of the Russian socio-economic system: challenges and prospects
    Author:
    Andrei V. Minakov
    Work direction:
    Глава 5
    Abstract:
    Microfinance institutions are demonstrating a consistently high rate of expansion worldwide. In the Russian Federation, these organizations play a vital role in the financial ecosystem. They provide access to loans for small businesses, and their services are also important for individuals whose income levels do not allow them to qualify for standard banking products. The existing microloan regulation system in Russia requires development, as the microfinance sector is characterized by serious problems, including high interest rates, risky lending terms, and unfair practices by some lenders. The purpose of this study is to examine the development of microloan regulation in Russia. This chapter utilizes research methods such as theoretical source analysis, statistical data, and comparative analysis. Indicators characterizing the performance of microfinance organizations in the Russian Federation for 2021–2025 were analyzed. An analysis of microcredit development in the Russian Federation revealed an increase in the microloan portfolio size, the share of online loans in the microloan portfolio, and the microloan portfolio turnover rate. However, a simultaneous decrease in the median ROE and an increase in the share of outstanding debt (for which the principal is overdue by 90 days or more) were also observed. Further development of microloan regulation in Russia is necessary. Particular attention should be paid to reducing the maximum cost of credit, tightening macroprudential limits, automating the blocking of illegal lenders, and improving the financial literacy of the population.
    Keywords:
    microloans, microfinance organizations, MFOs, online loans, credit risks, requirements for MFOs, loan market
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  • Spetsifika kreditovaniia subektov malogo i srednego biznesa v Rossii

    Conference Paper
    Sustainable Development of Russian Regions in the Age of Transformation Processes
    Authors:
    Mikhail V. Aleksandrov, Vladimir V. Ivanov, Fenis K. Khasianov
    Work direction:
    Современная финансовая и денежно-кредитная политика – меры антикризисного финансового регулирования и бюджетного стимулирования
    Abstract:
    В статье представлены основные принципы и специфика кредитования субъектов малого и среднего предпринимательства на современном этапе. Выделены особенности кредитования и проблемы. В качестве инструментария исследования используются функциональный и системный подходы, а также общенаучные подходы: метод сравнения и группировки, а также табличные и графические методы представления данных. Проводится анализ ситуации на рынке кредитования субъектов малого и среднего бизнеса, в условиях сложившегося в настоящее время экономического кризиса в России. Определены основные факторы, система кредитования субъектов малого и среднего бизнеса, а также специфическая часть кредитной системы, которая содержит такие элементы как принципы, методы и инструменты кредитования, планирования и контроля, а также кредитная инфраструктура, способная в наибольшей степени удовлетворить потребности малых предприятий во внешних заимствованиях.
    Keywords:
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