Keyword: «credit»

The article analyzes the credit activities of microfinance organizations in modern conditions of economic development. The author considers the features of lending to microfinance institutions, and offers a comparative analysis of credit activity of banks and microfinance organizations.

The paper deals with the theoretical aspects of consumer crediting market and the stages of its development. The paper presents the analysis of volume dynamics and growth rate of consumer lending in Russia, the analysis of the dependence the volume of consumer loans on per capita income of the population. The author considers the main tendencies of consumer crediting development in Russia nowadays.

The paper deals with the structure of public finances of federal states (the Russian Federation and the United States) under sanctions. The author analyze the revenue and expenditure of the budget, the public debt of these countries, the largest holder of US government debt bonds. The components of the Russian Federation budget revenues: tax and non-tax revenues, non-reciprocal transfers, as well as the operating and capital budget expenditures are studied. The role of local budgets for the development of Russian economy is considered. The authors show differences and similarities in state and budgetary systems of America and Russia, their budgetary processes, income, expenses, pensions, domestic and external debts, debt-forms, schemes of credit operations.

Development of bank rate theory and its practical application in credit system of Russia at different stages is considered in this article retrospectivly. Three stages of bank rate theory development in the Soviet credit system are presented. The authors describe a transition from administrative formation of interest rates to a market mechanism.

The article reveals the features of personal crediting process. The elements of crediting process management are highlighted. The conditions for personal crediting necessity are analyzed. The authors consider the functions of credit and the basic principles of crediting.