Izvestiya of Saratov University.
ISSN 1994-2540 (Print)
ISSN 2542-1956 (Online)


credit behavior

The Econometric Approaches to Estimation of the Population’s Credit Behavior in Russia

Introduction. Crediting of people has a firm position in last decade, but now there is a problem of the granted loans quality. So the study of the credit behavior, its mechanisms and structures is actual question. In article emphasis was placed on the methodological part of the problem, it was examined various statistical and econometric tools to study of the credit behavior. Methods. Using binary choice model determinants of credit behavior were identified, and a typical portrait of average borrower was made.