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Journal articles on the topic 'Retail lending'

Author: Grafiati

Published: 30 May 2022

Last updated: 31 July 2025

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1

Efremova, Tatiana A. "Analysis of the Development of the Retail Lending Market in Russia." Теория и практика общественного развития, no. 2 (February 26, 2025): 88–95. https://doi.org/10.24158/tipor.2025.2.11.

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The article examines the issues of formation and development of retail lending in Russia from the early 2000s to the present. It delineates the stages of growth in the retail banking sector, identifying their distinctive charac-teristics. It has been established that, under modern conditions, retail lending serves as a driving force for the growth of purchasing demand, which in turn stimulates production processes and creates favorable conditions for overall economic development in the country. However, the persistence of issues related to over-indebtedness among the population and a high prop

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2

KYRYLENKO, Serhiy. "CLIENT-ORIENTED APPROACHES IN RETAIL BANK LENDING." WORLD OF FINANCE, no. 4(53) (2017): 166–77. http://dx.doi.org/10.35774/sf2017.04.166.

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Introduction. Crisis phenomena in the Ukrainian economy negatively affected the consumer market, caused a decrease in the population's demand for credit products of banks. However, over the past two years, an increase in the retail lending portfolio has taken place, which is evidence of a certain improvement in the socio-economic situation, the improvement of the banking system, the growth of income of citizens and the restoration of their confidence in banks. In such conditions, the task is to consolidate positive trends in retail lending, including by applying client-oriented approaches to b

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3

Prokofieva, Elena N., and Aleksey D. zmaiylov. "The Impact of the Crisis and Sanctions on the Development of the Retail Lending Market." Transbaikal State University Journal 29, no. 1 (2023): 121–28. http://dx.doi.org/10.21209/2227-9245-2023-29-1-121-128.

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The article is devoted to the analysis of trends in the development of the retail lending market in Russia in the context of a sharp deterioration in international economic and political relations and aggravation of problems in various sectors of the financial market. The subject of the study is the economic relations arising in the process of functioning of the retail lending market. The object of research in the article is not randomly selected banking sector of the retail lending market. For decades, economists in Russia and the world have emphasized the significant socio-economic role of t

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4

Leonov, Sergey, and Tatiana Trop. "Retail Bank Lending in the Context of the COVID-19 Pandemic and Sanctions Restrictions: Features of the Russian Far East." Regionalistica 9, no. 6 (2022): 85–97. http://dx.doi.org/10.14530/reg.2022.6.85.

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In the context of the pandemic of the new coronavirus infection (COVID-19) and the aggravation of the sanctions burden caused by the special military operation of the Russian Federation in the territories of Ukraine, the Donetsk People’s Republic and the Lugansk People’s Republic, household lending was at particular risk. The article examines the dynamics and structure of lending to individuals for 2015–2022 both in Russia as a whole and on the example of a large macroregion, which is the Russian Far East. To identify statistical patterns, general scientific methods based on official statistic

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Merkulova, N. S., and A. R. Shaptala. "CURRENT TRENDS IN RETAIL BANK LENDING." Фундаментальные исследования (Fundamental research), no. 2 2020 (2020): 54–58. http://dx.doi.org/10.17513/fr.42685.

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6

Hui, C. H., C. F. Lo, T. C. Wong, and P. K. Man. "Measuring provisions for collateralised retail lending." Journal of Economics and Business 58, no. 4 (2006): 343–61. http://dx.doi.org/10.1016/j.jeconbus.2006.04.001.

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7

Duisenbayeva, B., N. Maulina, and G. Suleimenova. "Retail lending to commercial banks: current state and business models of development." ECONOMIC SERIES OF THE BULLETIN OF THE L.N. GUMILYOV ENU, no. 1 (2023): 295–306. http://dx.doi.org/10.32523/2789-4320-2023-1-295-306.

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This article explores the current state of consumer bank lending, focusing on the quantitative and qualitative indicators of the banking sector, the ecosystems of commercial banks. In the course of the study, statistical data on the loan portfolio and overdue debts of the banking sector of the Republic of Kazakhstan, on the structure of overdue debts on bank retail loans issued for consumer purposes were used and analyzed. The tendencies of bank consumer crediting by the terms and sizes of the lending rate are determined. The influencing factors on consumer-clients in retail lending have been

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8

EFREMOVA, Tat’yana A. "Lending to individuals in Russia: Formation, current practice, directions of improvement." Finance and Credit 31, no. 1 (2025): 16–36. https://doi.org/10.24891/fc.31.1.16.

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Subject. The article deals with lending to individuals in commercial banks. Objectives. The purpose is to investigate the evolution of bank lending to individuals in Russia and determine directions for its further development. Methods. The study rests on general scientific methods, such as description and classification, and universal rational-logical methods of cognition, including analysis, synthesis, and induction. Results. The paper highlights and examines development stages of bank lending to individuals in Russia, reveals the key features of each period. I explored the lending practice t

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9

PROKOFIEVA, E. N., and M. A. GRUZDOVA. "MACROPRUDENTIAL REGULATION OF THE RETAIL LENDING MARKET IN CONDITIONS OF ECONOMIC INSTABILITY AND SANCTIONS." Herald of Omsk University. Series: Economics 20, no. 2 (2022): 64–73. http://dx.doi.org/10.24147/1812-3988.2022.20(2).64-73.

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The economic instability of the last 10 years has determined the nature of the Bank of Russia's actions to regulate various sectors of the financial market in order to minimize risks and ensure maximum efficiency of functioning. The article examines the banking segment of the retail lending market, since this particular area has been considered the most risky and requiring the intervention of the Central Bank for a number of years. The basis for the study, as well as for comprehensive control by the Bank of Russia, was an active growth in retail lending volumes that is incomparable with the dy

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10

Vysokov, D. A. "Regulatory Arbitrage in the Retail lending Market." Finance: Theory and Practice 24, no. 1 (2020): 46–57. http://dx.doi.org/10.26794/2587-5671-2020-24-1-46-57.

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11

Щемелев, С. Н., Р. А. Цой, and Е. М. Коликова. "CHALLENGES AND PROSPECTS OF RETAIL LENDING DEVELOPMENT." Финансовые Исследования 24, no. 3 (2023): 35–43. http://dx.doi.org/10.54220/finis.1991-0525.2023.80.3.003.

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Введение. Значительные изменения, произошедшие в экономике Российской Федерации в связи с начатой санкционной антироссийской политикой ведущих стран Запада, переросшей в открытую гибридную войну, потребовали проведения значительных макроэкономических преобразований в экономической сфере. Трансформация макросферы привела к изменениям в экономике и на более низких иерархических уровнях, включая и розничное кредитование. В связи с чем необходимо определить влияние на розничное кредитование макроэкономических изменений в денежном обращении и вскрыть его внутренние проблемы в настоящее время для вы

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Liu, Ming-Hua, Dimitris Margaritis, and Zhuo Qiao. "The Global Financial Crisis and Retail Interest Rate Pass-Through in Australia." Review of Pacific Basin Financial Markets and Policies 19, no. 04 (2016): 1650026. http://dx.doi.org/10.1142/s0219091516500260.

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In this paper, we examine the impact of the global financial crisis (GFC) on the interest rate pass-through for four types of loans in Australia: mortgages, residentially secured small business lending, nonsecured small business lending and personal loans. Australia is an interesting case study since its central bank lowered but also raised interest rates during the GFC. We find that after the onset of the crisis, there has been a shift in the way banks adjust their lending rates in response to changes in market interest rates; the markup has increased and there has been a drop in both short-

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13

Mohammad Obeid Gharaibeh, Ahmad, and Mohammad Omar Farooq. "Determinants of bank lending rates: Empirical evidence from conventional retail banks in Bahrain." Banks and Bank Systems 17, no. 4 (2022): 140–53. http://dx.doi.org/10.21511/bbs.17(4).2022.12.

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The study attempts to identify the determinants of lending rates in the Kingdom of Bahrain. It examines the impact of certain macroeconomic and banks’ aggregate data variables on the level of interest rates on loans charged by Bahraini conventional retail banks using quarterly data for the period from the 4th quarter of 2012 to the 4th quarter of 2021. The study tests the impact of a consumer price index (CPI), GDP growth rates, loan-to-total assets (loan ratio), liquid assets as a proportion of total assets (liquidity position), personal lending rate, loan-to-deposit ratio, money supply (M2)

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14

Akhmedova, Dilrabo Kurbondurdi Kizi. "DIGITALIZATION OF RETAIL LENDING PRACTICE IN COMMERCIAL BANKS OF THE REPUBLIC OF UZBEKISTAN." Frontline Marketing, Management and Economics Journal 03, no. 05 (2023): 25–32. http://dx.doi.org/10.37547/marketing-fmmej-03-05-04.

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Lending to individuals is an important source of income for banks, as well as a means of turning the needs of the population into demand and creating a basis for improving their well-being. In this regard, the study and improvement of lending to individuals, the coordination of relations between commercial banks and customers, and the development of the economy are of great importance. In this article, the theoretical aspects of lending to individuals have been studied and relevant recommendations have been developed

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15

Hladkyh, Dmytro, and Oleksandr Lyubich. "Factors driving bank lending in Ukraine." Fìnansi Ukraïni 2025, no. 1 (2025): 64–76. https://doi.org/10.33763/finukr2025.01.064.

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Introduction. During 2024, the Ukrainian banking system continued to operate in stressful circumstances, mainly related to the prolongation of the full-scale armed conflict and uncertain forecasts regarding the prospects for its completion. Despite this, the system as a whole managed to avoid a critical deterioration in quality and significant losses of assets, liquidity, resource base, capital, customers, points of sale and functional capacity in general. Instead, some key indicators of bank performance (in particular, net profit) according to the results of 11 months of operation turned out

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Pankova, V. A. "Retail financial markets as a driver for the development of financial sector." Voprosy Ekonomiki, no. 11 (November 4, 2021): 33–53. http://dx.doi.org/10.32609/0042-8736-2021-11-33-53.

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The paper analyzes the influence of the dynamics of retail financial markets on the development of financial sector on the annual data for 39 countries, including developed and developing economies, for the period 1990—2018. To assess the general dynamics of retail markets development, a composite indicator was built. This indicator is included in the models for corporate lending market, stock market and non-life insurance market. The results show that, on the one hand, the development of retail markets (households credit market, life insurance market and private pension funds) stimulates the

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17

Iyer, Rajkamal, Thais Lærkholm Jensen, Niels Johannesen, and Adam Sheridan. "The Distortive Effects of Too Big To Fail: Evidence from the Danish Market for Retail Deposits." Review of Financial Studies 32, no. 12 (2019): 4653–95. http://dx.doi.org/10.1093/rfs/hhz037.

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Abstract We study the impact of too-big-to-fail (TBTF) guarantees on the market for retail deposits. Exploiting information about all personal deposit accounts in Denmark and salient changes to the deposit insurance limit, we provide evidence that systemically important banks successfully retain and attract uninsured deposits in a crisis at the expense of other banks even as they differentially lower their interest rates. The funding shock suffered by nonsystemic banks causes a decrease in their lending. The results point to the distortive effects of TBTF guarantees in the market for retail de

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18

Breeden, Joseph. "Testing retail lending models for missing cross-terms." Journal of Risk Model Validation 4, no. 4 (2010): 49–57. http://dx.doi.org/10.21314/jrmv.2010.063.

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19

Malahov, P. S. "The ways of improvement of retail lending process." Problemy ucheta i finansov, no. 21(1) (March 1, 2016): 39–42. http://dx.doi.org/10.17223/22229388/21/5.

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20

САВИНОВ, О. Г., and Л. С. КАРТАШОВА. "SYSTEMICALLY SIGNIFICANT BANKS IN THE RETAIL LENDING MARKET." Экономика и предпринимательство, no. 2(151) (May 31, 2023): 328–31. http://dx.doi.org/10.34925/eip.2023.151.2.066.

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Одним из наиболее приоритетных и экономически важных видов современного кредита является кредит, предоставленный физическим лицам банковскими и небанковскими финансовыми организациями. В статье исследуется роль системно значимых банков на рыке кредитования физических лиц. Анализируется динамика предоставленных кредитов, оцениваются факторы внешней среды. One of the most priority and economically important types of modern credit is a loan granted to individuals by banking and non-banking financial institutions. The article examines the role of systemically important banks in the retail lending

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21

Гадельшина, Г. А. "Credit assessment modelling in the consumer lending." Экономика и предпринимательство, no. 10(123) (November 15, 2020): 1295–99. http://dx.doi.org/10.34925/eip.2020.123.10.259.

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Основной проблемой розничных банков является просроченная задолженность по кредитам физических лиц. В периоды кризиса растут кредитные риски, что сопровождается ухудшением качества активов. Значительную долю таких рисков составляет розничное кредитование, в частности, необеспеченные потребительские кредиты. Для оценки кредитного риска при работе в сегменте потребительского кредитования была построена модель бинарного выбора, позволяющая на основе первичного анкетирования оценить вероятность возникновения просроченных платежей. The main problem for retail banks is the overdue debt on loans to i

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22

Abdullah, Adam, Rusni Hassan, and Salina Kassim. "A Conceptual Framework for Islamic Institutional and Retail Investment in Maritime Assets." International Business Research 11, no. 2 (2018): 176. http://dx.doi.org/10.5539/ibr.v11n2p176.

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The purpose of this research is to provide a conceptual framework for Islamic institutional and retail investment in maritime assets. Our objectives are to provide an introduction to seaborne trade and analyze trends in institutional interest in alternative assets and international shipping as well as highlight Islamic and conventional equity structures for institutional and retail investors. Our findings reveal that an Islamic private equity framework involving an unlevered, tax-free investment in maritime assets provides a real alternative to conventional lending and even successful tax-effi

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Kumar Bhalawat, Pankaj. "UNIFIED LENDING INTERFACE(ULI): ENHANCING EFFICIENCY AND ACCESSIBILITY IN DIGITAL FINANCE." International Journal of Advanced Research 12, no. 12 (2024): 362–67. https://doi.org/10.21474/ijar01/20032.

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India has witnessed technological advancement and increasing adoption of artificial intelligence in the last decade. It has increased efficiency, productivity, quality, inclusivity, and competitiveness in financial services, especially in digital lending. However, there have been unforeseen repercussions as a result of increased dependency on third-party lending service providers, including misselling to financially unaware customers, concerns about compromised data security, unethical business operations, and illegal practices, while digital lendings current share of total credit in the finan

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24

Dassesse, Marc. "Cross-Border Retail Lending in the Eurozone? Forget it!" EC Tax Review 20, Issue 2 (2011): 103–7. http://dx.doi.org/10.54648/ecta2011011.

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Marakueva, M. A. "Scoring in retail lending: common mistakes and their price." Finance and business 17, no. 4 (2021): 3–17. http://dx.doi.org/10.31085/1814-4802-2021-17-4-112-3-17.

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Fáykiss, Péter, Alexandr Palicz, János Szakács, and Márton Zsigó. "Experiences of Debt Cap Regulations in Hungarian Retail Lending." Hitelintézeti szemle 17, no. 1 (2018): 34–61. http://dx.doi.org/10.25201/fer.17.1.3461.

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Dewi, Cynthia Sari, and Aldi Dominggus. "Analysis Of Structural Assurance, Integrity, Easy of Use And Brand Image On Trust In Use Of P2P Lending." International Journal of Business, Law, and Education 5, no. 1 (2024): 386–97. http://dx.doi.org/10.56442/ijble.v5i1.393.

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Peer to Peer (P2P) lending has a role as an intermediary platform for lenders and borrowers to conduct transactions without having to go through bank. However, so many P2P Lending cases that reduce public confidence in using P2P Lending. Gradana is one of the P2P lending companies registered with the Financial Services Authority (OJK). Although P2P lending investors have decisions that refer to adverse selection, Gradana shows good performance. This study aims to analyse the factors that influence trust in using P2P lending by adopting trust theory. The sample was 100 respondents from retail i

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IVASHCHENKO, Alla, Tetiana HORODETSKA, and Sofiia MELESHKEVICH. "Overview of the current state of consumer lending in commercial banks of Ukraine and its organizational and economic support." Economics. Finances. Law 12, no. - (2021): 22–28. http://dx.doi.org/10.37634/efp.2021.12.5.

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The paper gives the theoretical basis of the peculiarities of the process of consumer lending in commercial banks – defines the economic essence of consumer credit, its objects, tools, stages of implementation and mechanisms for repayment of credit debt. An overview of the current state and development of bank consumer lending in Ukraine is presented. An analysis of the dynamics of assets and loan portfolio of Ukrainian banks, namely: analysis of loans to individuals and analysis of the volume and share of consumer loans in the total loans to individuals in the loan portfolio and assets of ban

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Симонова, Н. Ю., Ю. Н. Ан, and Д. Симонов. "Analysis of the practice of collecting overdue debt on consumer loans at Sberbank." Экономика и предпринимательство, no. 7(132) (October 11, 2021): 1134–38. http://dx.doi.org/10.34925/eip.2021.132.7.204.

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В статье проведен анализ методов работы банков в части управления пророченной задолженности по потребительским кредитам. Проведен анализ структуры просроченной задолженности по потребительским кредитам, рассмотрены и систематизированы методы взыскания просроченной задолженности физических лиц при организации розничного кредитования в ПАО Сбербанк. В заключении определены преимущества работы ПАО Сбербанк с проблемной задолженностью в розничном кредитовании. The article analyzes the methods of banks' work in terms of managing the prophesied debt on consumer loans. The analysis of the structure o

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Kusi, Baah Aye, Jonas Ladime, and Felix Baidoo. "Political Business Cycle, Corporate Transparency and Bank Lending in Africa." Journal of Developing Areas 59, no. 2 (2025): 125–50. https://doi.org/10.1353/jda.2025.a957756.

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ABSTRACT: This study examines how political business cycles (PBC) influence bank lending in Africa in the presence of corporate transparency. While existent empirical studies show that PBC is associated with increased bank lending which is often followed by increased credit losses, risk and defaults, the literature is silent on which specific type of bank lending is affected by PBC and how corporate transparency (CT) can be used as tool for taming increasing effect of PBC on different types of bank lending. Following from this, this present study examines how PBC affects different bank lending

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Agarwal, Sumit, Ricardo Correa, Bernardo Morais, Jessica Roldán, and Claudia Ruiz-Ortega. "Related Exposures to Distressed Borrowers and Bank Lending." International Finance Discussion Paper, no. 2025 (May 2025): 1. https://doi.org/10.17016/ifdp.2025.1288r1.

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We study how banksâ exposure to a large set of related and suddenly-distressed borrowers impacts their commercial lending and risk taking. Using Mexican credit registry data, we examine the effect of the 2014 collapse in energy prices. After this shock, energy-exposed banksâregardless of their ex-ante financial healthâraise further their exposure to the energy sector by expanding lending at looser credit terms to borrowers with higher expected losses, while recapitalizing through retained earnings. The shock is transmitted to non-energy firmsâdespite price controls on retail-energy pro

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Fan, Bohan. "Research on the Marketing Strategy of Banking and Finance Business Given Big Data Technology." SHS Web of Conferences 154 (2023): 02018. http://dx.doi.org/10.1051/shsconf/202315402018.

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Individuals’ consumption patterns and financial demands are changing significantly as a result of the quick advancement of modern information technology and the integration of financial technology into everyday life, which has negative effects on and presents challenges for banks’ traditional retail operations. The competition among Chinese commercial banks in the retail sector is getting more and more intense due to the country’s rapid economic expansion and increase in household wealth. In order to improve its core competitiveness, maximise its retail business marketing strategy, and investi

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Le, Diem Thi Thu, and Tung Thanh Diep. "IMPACT OF LENDING STRUCTURE ON CREDIT RISK IN VIETNAMESE COMMERCIAL BANKS." Scientific Journal of Tra Vinh University 1, no. 31 (2018): 1–9. http://dx.doi.org/10.35382/18594816.1.31.2018.2.

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This study examines whether lending structure concentration leads to lower credit risk by employing GMM estimators of panel data for the Vietnamese banking system at the bank level by economic sector from 2009 to 2016. The advance point of this research is the effect of different industrial sector variables on credit risk. An important finding is that the Vietnamese commercial bank lending portfolios have, on average, higher levels of diversity across different sectors. Overall, the research finds that an increase in the mining and quarrying, manufacturing, electricity, gas and water, construc

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Ulst, Ingrid. "Electronic Retail Lending in Estonia: Legal Limits on the Cost of Credit." Review of Central and East European Law 35, no. 3 (2010): 257–91. http://dx.doi.org/10.1163/157303510x12650378240359.

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AbstractIn 2009, a legal limit to the annual percentage rate of charge (APRC) was established in Estonia. The limit is 'soft' in its nature, allowing a lender to opt to exceed it; simultaneously, however, the burden of proof is placed on the lender who argues that such a lending transaction should not be declared void on the ground on the basis of being contrary to good morals. This article examines the legal function of the APRC limit and addresses the legal problems with regard to the nature and extent of the burden of proof; it also makes suggestions as to how lenders could comply with thei

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KRASOVYTSKYI, Danylo. "DEVELOPMENT OF RETAIL LOAN SCORECARD USING MACHINE LEARNING." Bulletin of Taras Shevchenko National University of Kyiv. Economics, no. 226 (2025): 64–71. https://doi.org/10.17721/1728-2667.2025/226-1/8.

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B a c k g r o u n d. Banks use credit scoring to track loan performance, manage provisions, and adjust lending policies. Thismethod assigns points based on a borrower's loan history and unique characteristics, enabling lenders to predict default risk and improve credit conditions for low-risk borrowers. With increased data access and computing power, it is possible to do credit scoring via new methods with possibly better predictive power. This study aims to develop a scorecard for Ukrainian retail borrowers using Credit Registry data, exploring the effectiveness of logistic regression and Sup

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Gautam, Vandana. "Impact of Retail Lending on Profitability of DCCBs of Punjab." Indian Journal of Finance 13, no. 10 (2019): 49. http://dx.doi.org/10.17010/ijf/2019/v13i10/147747.

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37

Antonakis, Anthony C., and Michael E. Sfakianakis. "Electronic systems of trust in retail lending: new application areas." International Journal of Applied Systemic Studies 3, no. 3 (2010): 283. http://dx.doi.org/10.1504/ijass.2010.034622.

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Breeden, Joseph L., Robert Parker, and Carsten Steinebach. "A through-the-cycle model for retail lending economic capital." International Journal of Forecasting 28, no. 1 (2012): 133–38. http://dx.doi.org/10.1016/j.ijforecast.2011.01.005.

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39

Penikas, Henry. "Non-compliance to Benford distribution as the portfolio default rate determinant in online retail lending." Model Assisted Statistics and Applications 18, no. 2 (2023): 125–34. http://dx.doi.org/10.3233/mas-221404.

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There is large online lending growth in volume world-wide. The credit risk concerns point to the fact that most of these loans might be used to redeem earlier borrowed funds. However, the true reasons for online borrowing and lending are unavailable. Benford law is one of the tools used by auditors to monitor how suspicious the transaction is. That is why I wish to study one of the publicly available lending portfolios. Our objective is to trace associativity of compliance to Benford law and reported default rates. I find that MAE is a more statistically significant determinant of the country

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Abdallah, Chadi S., and William D. Lastrapes. "Home Equity Lending and Retail Spending: Evidence from a Natural Experiment in Texas." American Economic Journal: Macroeconomics 4, no. 4 (2012): 94–125. http://dx.doi.org/10.1257/mac.4.4.94.

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We estimate how spending in Texas responded to a 1997 constitutional amendment that relaxed severe restrictions on home equity lending. We use this event as a natural experiment to estimate the importance of credit constraints. If households are credit-constrained, such an increase in credit availability will increase their spending. We find that Texas retail sales at the county and state levels increased significantly after the amendment, lending support to the credit-constraint hypothesis. We confirm these findings and refine our interpretation of the estimated aggregate-level responses usin

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Mamadiyarov, Zokir, and Sarvar Askarov. "PROBLEMS IN LENDING INDIVIDUALS IN COMMERCIAL BANKS AND WAYS TO ELIMINATE THEM." European Journal of Artificial Intelligence and Digital Economy 1, no. 9 (2024): 70–78. https://doi.org/10.61796/jaide.v1i9.955.

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In this article, banks are in the process of digital transformation Problems and current situation in improving retail banking services are analyzed. In particular, in the transformation of the banking system of Uzbekistan, the revision of the bank structure and the optimization of the bank's service processes, the one-step lending system through underwriters and the management of personal funds for users are the most important. comments on the applications. The results of this study are important in studying the factors influencing the development of retail banking services and eliminating pr

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Korobeynikova, Olga, Dmitry Korobeynikov, and Lyudmila Stefanovich. "Consumer Lending Instruments in the Context of COVID-19." Vestnik Volgogradskogo gosudarstvennogo universiteta. Ekonomika, no. 4 (February 2022): 180–91. http://dx.doi.org/10.15688/ek.jvolsu.2021.4.14.

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The purpose of the article is to assess the use of consumer lending tools in the context of COVID-19 restrictions and predict the development directions of digital credit innovations in the consumer segment. It has been established that digital innovation in consumer lending is proceeding at a high rate, digital ecosystems, platforms and services are being formed. The qualitative side of the changes is characterized by the creation of new and modernization of traditional lending instruments produced by traditional banks and non-banking organizations. The COVID-19 pandemic has accelerated the s

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Trop, T. I. "FEATURES OF THE REGIONAL BANKS BEHAVIOR DURING THE PANDEMIC." Regional problems 25, no. 3 (2022): 149–54. http://dx.doi.org/10.31433/2618-9593-2022-25-3-149-154.

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Reactions to the pandemic crisis in 2020–2021 were significantly differentiated in territorial and sector aspects. They had different territorial and segment specifics in bank lending as well. Considering regional Far Eastern banks as an example, the author has made an attempt to define the features of behavior and the role of credit institutions in providing retail lending, including mortgage, to the population of the region during the first and second pandemic «waves» of 2020, therefore, supporting demand in the economy.

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Kim, Donát. "Debt cap regulations in mortgage lending." Economy & finance 8, no. 2 (2021): 110–45. http://dx.doi.org/10.33908/ef.2021.2.1.

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In this paper I study debt cap regulations in retail mortgage lending in Hungary introduced by the National Bank of Hungary. I believe the introduction of debt cap regulations was justified, but the toolkit applied should be reviewed. After studying international examples and reviewing the literature, I have concluded that LTV (loan-to-value) regulation correspond to European practice and researchers’ findings. While the introduction of LTI (loan-to-income) ratio should be considered to replace PTI (payment-to-income) ratio, as it is more stable in time and there is no incentive to switch betw

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Eleam, Victor E., Chinyelu G. Ekwom, Chibueze C. Ariolu, Chukwubuzo J. Umebali, and Adewale T. Balogun. "Monetary Policy Transmission and Bank Interest Rates in Nigeria." Central Bank of Nigeria Journal of Applied Statistics 12, no. 2 (2022): 59–85. http://dx.doi.org/10.33429/cjas.12221.3/5.

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The paper examines the adjustment of retail and money market interest rates to changes in discount corridor of the monetary policy in Nigeria. A vector error correction model was adopted for this study, using monthly data from 2007:06 to 2019:12. We further accounted for structural breaks in the dataset to improve its policy reliability. The adjustment parameters were found to be significant but with slow speed of adjustment. This finding provides evidence of the weakness of the discount corridor in monetary policy transmission in Nigeria. Furthermore, the results showed no asymmetric adjustme

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Eleam, Victor E., Chinyelu G. Ekwom, Chibueze C. Ariolu, Chukwubuzo J. Umebali, and Adewale T. Balogun. "Monetary Policy Transmission and Bank Interest Rates in Nigeria." Central Bank of Nigeria Journal of Applied Statistics 12, no. 2 (2022): 59–85. http://dx.doi.org/10.33429/cjas.12221.3/5.

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The paper examines the adjustment of retail and money market interest rates to changes in discount corridor of the monetary policy in Nigeria. A vector error correction model was adopted for this study, using monthly data from 2007:06 to 2019:12. We further accounted for structural breaks in the dataset to improve its policy reliability. The adjustment parameters were found to be significant but with slow speed of adjustment. This finding provides evidence of the weakness of the discount corridor in monetary policy transmission in Nigeria. Furthermore, the results showed no asymmetric adjustme

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Мандрон, В. В., А. Ю. Ефименко, and Д. Г. Свиридов. "Trends and problems of retail Bank lending in modern conditions on the example of «Sberbank of Russia»." Voprosy regionalnoj ekonomiki, no. 45(4) (December 15, 2020): 156–65. http://dx.doi.org/10.21499/2078-4023-2020-45-4-156-165.

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Эффективное развитие механизмов кредитования физических лиц оказывает положительное влияние не только на рынок недвижимости, автомобильную промышленность, потребительский рынок, но и на темпы развития банковской системы, что значительно влияет на рост национальной экономики и улучшает качество жизни населения РФ. Исследование посвящено ключевым тенденциям и проблемам функционирования рынка розничного кредитования в современных условиях. Определены главные проблемы, которые оказывают существенное влияние на организацию рынка розничного кредитования, его объемы и качество. Проведен анализ данных

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Ivashina, Victoria, David S. Scharfstein, and Jeremy C. Stein. "Dollar Funding and the Lending Behavior of Global Banks*." Quarterly Journal of Economics 130, no. 3 (2015): 1241–81. http://dx.doi.org/10.1093/qje/qjv017.

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Abstract A large share of dollar-denominated lending is done by non-U.S. banks, particularly European banks. We present a model in which such banks cut dollar lending more than euro lending in response to a shock to their credit quality. Because these banks rely on wholesale dollar funding, while raising more of their euro funding through insured retail deposits, the shock leads to a greater withdrawal of dollar funding. Banks can borrow in euros and swap into dollars to make up for the dollar shortfall, but this may lead to violations of covered interest parity when there is limited capital t

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Abdulkhamidovich, Abdulkhalilov Abdulazizjon. "Prospects for Digitalization of Retail Lending Practice in Banks of the Republic of Uzbekistan." International Journal of Research Publication and Reviews 5, no. 6 (2024): 6933–37. http://dx.doi.org/10.55248/gengpi.5.0624.1643.

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Азимова, Шахноза Давудхонов Жавохирхон. "IMPROVING THE SYSTEM OF ASSESSMENT AND RISK MANAGEMENT IN THE RETAIL LENDING SECTOR." "Science and innovation" international scientific journal 1, no. 1 (2022): 303–8. https://doi.org/10.5281/zenodo.6512303.

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