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Demographic characteristics as determinants of retail customers’ credit behavior. Evidence from Russian regions
Procedia Computer Science. 2023. Vol. 221. P. 1091–1098.
This paper investigates and defines the concept of "credit behavior". A number of factors influencing credit behaviour of the population were identified. Among them are economic factors, e.g. income and expenses, debt burden, unemployment, interest rates, etc. Another important group of factors impacting credit behavior is social aspects, i.e. level of education, social status, financial and digital literacy, and others. The next important group is demographic factors which include gender and age characteristics, family composition, etc. The research found rigid and positive dependence between the volume of per capita lending with per capita income, which can be explained by the fact that the amount of income directly determines “solvency” of a client. A positive relationship is also observed when assessing the link between the volume of per capita loans and availability of hospital beds.
Publication based on the results of:
Родичев А. И., Zinyakov Y., Вестник Московского университета. Серия 6: Экономика 2026 Т. 61 № 2 С. 340–357
This paper analyzes discrepancies between direct and mirror data in Russia's foreign trade statistics over the period of 2003-2024. Special attention is given to assessing the impact of sanction policies on the level of statistical discrepancies, which reflect trade costs, manipulations in customs and tax reporting, as well as structural changes in logistics and the ...
Added: July 10, 2026
Kuzminov Y., Kruchinskaia E., Вопросы экономики 2026 № 7 С. 5–23
The year 2026 marks the 250th anniversary of Adam Smith’s “An inquiry into the nature and causes of the wealth of nations”, the work that had laid the foundations of economic science. The three factors of production Smith implicitly introduced — labor, land, and capital — no longer operate in their pure form: the digital ...
Added: July 9, 2026
Sizova A., Барнаул: Алтайский государственный педагогический университет, 2026.
В сборник включены научные статьи, посвященные различным аспектам социально-экономической и культурной истории Сибири в контексте внутренней и внешней политики России. Сборник посвящен 70-летию со дня рождения известного ученого, педагога, просветителя и общественного деятеля, доктора исторических наук, профессора Александра Владимировича Старцева (1956–2019).
Сборник предназначен для специалистов в области отечественного исторического сибиреведения, а также всех, кто интересуется историей ...
Added: July 8, 2026
Besstremyannaya G., Кузнецова Ю., Прикладная эконометрика 2026 Т. 82 С. 26–46
This paper studies the technical efficiency of Russian retail companies in 2019 to 2023 using stochastic frontier analysis (SFA) with the Battese and Coelli (1995) model. A translogarithmic production function is employed for estimations. The dependent variable is company revenue, and the production factors are the average number of employees, fixed assets, and assets less ...
Added: July 8, 2026
Dormidontova Y., Central European Business Review 2026 Vol. 15 No. 2 P. 69–90
This study examines the individual factors of artificial intelligence (AI) implementation by small and medium-sized enterprise (SME) owners, based on a survey of 499 respondents in Russia. Drawing on Innovation Diffusion Theory, the Technology Acceptance Model (TAM), and stakeholder-oriented sustainability approach, the analysis shows that SME owners who already use AI for private purposes are ...
Added: July 7, 2026
Kozlov N., Semenova M., Journal of Corporate Finance Research 2026 Vol. 20 No. 2 P. 108–135
This paper introduces a novel approach to identifying and operationalizing political connections of banks. We manually code 2,598 bankers who owned or worked in 115 Russian banks between 2015 and 2021 to classify political connections and uncover their institutional patterns through cluster analysis. We propose a set of variables that capture the origins, relevance, and ...
Added: July 6, 2026
Grebnev L., Вопросы философии 2025 № 6 С. 105–116
The relevance of the topic is related to the fact that after the complete abandonment of real values in the 1970s of the main means of international settlements - the US dollar – there is a growing feeling that money increasingly represents an illusory reality. The article begins with an analysis of the illusions associated ...
Added: July 6, 2026
Volkova N., Кочетков Н. В., Чикер В. А., Психологическая наука и образование 2026 Т. 31 № 3 С. 35–49
Context and relevance. Artificial intelligence is a technology with the potential to fundamentally transform all spheres of human life. Its rapid integration into everyday reality intensifies research dedicated to the psychology of using neural networks. However, the development of empirical research in the Russian scientific field is limited by the lack of validated psychodiagnostic tools that ...
Added: July 5, 2026
Alekseeva O., Nazarova V., AlterEconomics (ранее - Журнал экономической теории) 2026 Т. 23 № 2 С. 329–354
IPO underpricing remains one of the most persistent anomalies in capital markets and is particularly pronounced in emerging markets, where information asymmetry and valuation uncertainty are especially high. This article examines the relationship between board gender composition and the level of IPO underpricing among Chinese companies. The study aims to assess whether a higher share ...
Added: July 4, 2026
Ershova N. V., Журнал институциональных исследований 2026 Т. 18 № 2 С. 82–97
This article, based on a survey data from 1,860 Russian manufacturing enterprises, analyzes the
scale of enterprise participation in science-industry collaboration (SIC), defines the characteristics of
enterprises that are more actively involved in SIC, and identifies regional institutional factors that
contribute to increased enterprise participation in SIC using correlation analysis. It is shown that
Russian manufacturing firms are very ...
Added: July 3, 2026
Podrugina A., Романова В. А., Пространственная экономика 2026 Т. 22 № 2 С. 56–85
Исследование посвящено анализу институциональных усилий развивающихся стран по дедолларизации и укреплению роли национальных валют. На основе систематизации теоретических подходов к интернационализации валют авторы разрабатывают новый аналитический инструмент – Индекс институционального развития финансового рынка в национальных валютах. Методология индекса охватывает четыре ключевых направления политики: использование валюты в международных расчетах, создание валютных своп-линий между центральными банками, развитие ...
Added: July 3, 2026
Anikeev K., AlterEconomics (ранее - Журнал экономической теории) 2026 Т. 23 № 2 С. 410–428
This study empirically tests the deposit channel hypothesis, which holds that increases in deposit markups cause liquidity outflows from the banking sector and a contraction in credit supply. The central question is whether deposit substitution effects, whereby depositors shift funds to other financial instruments during monetary tightening, are reflected in banks’ balance sheets and aggregate ...
Added: July 2, 2026
Kuzminov Y., Koshel A., Kruchinskaia E. et al., BRICS Law Journal 2026 Vol. 13 No. 2 P. 5–36
Today’s economy is undergoing a fundamental institutional shift in which digital ecosystems have emerged not only as a key driver of development but also as a critical condition for market access for billions of users. Despite the rapid global proliferation of these phenomena, the evolution of legal regulation—from e-commerce and data protection to antitrust oversight ...
Added: July 2, 2026
Kuzminov Y., Kruchinskaia E., Россия в глобальной политике 2026 Т. 24 № 4 С. 92–109
В статье анализируется структурный разрыв между увеличивающейся когнитивной нагрузкой и снижающейся отдачей от неё. Подход, при котором развитие научных и образовательных школ, ориентированных на тренировку суждения, может стать альтернативой количественному наращиванию вычислительных мощностей, которое служит основной стратегией Китая и США. Применительно к России традиция фундаментального образования и сильных исследовательских школ приобретает в новых условиях значение ...
Added: July 1, 2026
Saakyan T. V., Барабанова Ю. В., Финансовый журнал 2026 Т. 18 № 3 С. 110–121
In this article the authors aim to determine the place and role of methodological guidelines within the system regulating internal state financial control. The research holds both theoretical and applied significance, as a scholarly interpretation of this issue has not been previously undertaken and its examination will enable the full potential of the studied methodological ...
Added: July 1, 2026
Федорова В. С., Zavertiaeva M. A., Экономический журнал Высшей школы экономики 2026 Т. 30 № 2 С. 276–312
Crowdfunding is a relatively new method of project financing that involves raising funds from a large number of non-professional investors. Despite the rapid growth of this sector, only about 41.98% of crowdfunding campaigns are successful, which highlights the need to identify factors that increase the likelihood of successful fundraising. This study aims to address the ...
Added: July 1, 2026
Vlada Shenevskaia, Sergey Grishunin, Alyona Astakhova, , in: Proceedings of the 44th Eurasia Business and Economics Society Conference, Istanbul 2023. Eurasian Business and Economics Perspectives. (EBES, volume 31).: Switzerland: Springer, 2024. P. 209–229.
The study focuses on estimating the creditworthiness of industrial enterprises in the Eurozone and North America, using a sample of 122 companies from 2008 to 2022. The data framework consists of annual financial, macroeconomic, and ESG risk factors. The paper’s principal contribution lies in a comparative examination of advanced modelling approaches for assessing the credit ...
Added: June 28, 2026
Semenova M., Loginova Y., Balsevich A. A., Pacific-Basin Finance Journal 2026 Vol. 97 Article 103118
This paper examines the effect of board gender diversity on bank performance during the COVID-19 crisis. Using a panel dataset of 173 European banks spanning the period 2010–2022, we find that the presence of female directors on bank boards is positively associated with profitability and solvency during the pandemic period. The positive impact is more ...
Added: February 22, 2026
Abdrasilov B., Charkhabi M., Shinetova L. et al., Psychology in Russia: State of the Art 2025 Vol. 18 No. 4 P. 87–103
Background. Psychological attention to the role of academic performance in university admission tests is still growing. ! is attention includes both the psychometric characteristics of these tests and the cognitive and non-cognitive factors that may a" ect performance in admission tests. Objective. ! is study aims to assess the stability and changes in the academic ...
Added: January 21, 2026
Sizykh D., Kovalev R., Sizykh N., , in: 2024 17th International Conference on Management of Large-Scale System Development (MLSD).: IEEE, 2024. P. 1–5.
To improve the assessment model of credit risk by Merton for Russian financial market using the Monte Carlo simulation method and the SARIMA model for data forecasting. Nowadays, there are many methods of the assessment use in European countries. However, the applications of these methods may lead to inaccurate forecasts. In this work, modern methods ...
Added: January 15, 2025
Afanasev V., Финансы и бизнес 2024 Vol. 20 No. 3 P. 71–88
The conventional approach to default prediction implies using financial ratios as predictors. This paper provides evidence for improvement in the quality of default prediction for auto repair firms if non-financial data is included in the models. The study uses a sample of more than 200 firms, which defaulted in 2018–2023 and 10 healthy peers samples ...
Added: October 2, 2024
Larionov A., Мониторинг общественного мнения: Экономические и социальные перемены 2024 № 4 С. 219–242
In a period of large-scale challenges, lending plays a special role in maintaining macroeconomic stability. The Bank of Russia has the authority to develop lending and is interested in increasing the share of actors demonstrating an active type of credit behavior. The latter was especially relevant in the implementation of anti-crisis policy during the COVID-19 pandemic, involving ...
Added: September 11, 2024
Penikas H. I., / Банк России. Серия доклады Банка России "Серия докладов об экономических исследованиях". 2024.
In 2016, the Bank of Russia developed two ordinances to set forth a procedure using a limited sample of loans to conclude whether the level of loss provisions in the portfolio of uniform loans is sufficient or not and whether the bank’s capital is adequate.
The existing procedure of reserve sufficiency evaluation previews as a rule considering only a part of the loan portfolio and transfer (extrapolation) of the provision thus assessed for the overall portfolio. Moreover, the acting approach to define the minimum loan sample size assumes the absence of the default correlation.
Author’s contribution ...
Added: June 1, 2024
Yuliana Loginova, Semenova M., / Series WP BRP "Financial Economics". 2024. No. 94/FE/2024.
This paper explores the impact of board gender diversity on bank performance during the
COVID-19 crisis. Using data from 87 European banks from 2015 to 2021, we show that the
presence of women on bank boards had a positive impact on bank profitability during the
COVID-19 crisis. This effect is more pronounced in countries where the morbidity rate ...
Added: February 14, 2024