title: ÐÑÐ¾Ð±ÐµÐ½Ð½Ð¾ÑÑÐ¸ ÐºÑÐµÐ´Ð¸ÑÐ¾Ð²Ð°Ð½Ð¸Ñ ÑÐ¸Ð·Ð¸ÑÐµÑÐºÐ¸Ñ Ð»Ð¸Ñ Ð² Ð Ð¾ÑÑÐ¸Ð¹ÑÐºÐ¾Ð¹ Ð¤ÐµÐ´ÐµÑÐ°ÑÐ¸Ð¸ (Ð½Ð° Ð¿ÑÐ¸Ð¼ÐµÑÐµ ÐÐÐ ÐÐ¤Ð Â«ÐÐ ÐÐ¤ÐÐ ÐÐÐÂ»)
title: Ð´Ð¸Ð¿Ð»Ð¾Ð¼Ð½ÑÐ¹ Ð¿ÑÐ¾ÐµÐºÑ
titleType: Subtitle
Creators: name: ÐÐµÐ·Ð»Ð°Ð´Ð½Ð°Ñ, ÐÐ°ÑÐ°Ð»Ð¸Ñ
Publisher: name: Ð¡Ð°Ð½ÐºÑ-ÐÐµÑÐµÑÐ±ÑÑÐ³ÑÐºÐ¸Ð¹ Ð¿Ð¾Ð»Ð¸ÑÐµÑÐ½Ð¸ÑÐµÑÐºÐ¸Ð¹ ÑÐ½Ð¸Ð²ÐµÑÑÐ¸ÑÐµÑ ÐÐµÑÑÐ° ÐÐµÐ»Ð¸ÐºÐ¾Ð³Ð¾
Year: 2016
Subjects: ÐºÑÐµÐ´Ð¸ÑÐ¾Ð²Ð°Ð½Ð¸Ðµ
ÑÐ¸Ð·Ð¸ÑÐµÑÐºÐ¸Ðµ Ð»Ð¸ÑÐ°
ÐºÐ¾Ð¼Ð¼ÐµÑÑÐµÑÐºÐ¸Ðµ Ð±Ð°Ð½ÐºÐ¸
Ð¼Ð¸ÐºÑÐ¾ÑÐ¸Ð½Ð°Ð½ÑÐ¾Ð²ÑÐµ Ð¾ÑÐ³Ð°Ð½Ð¸Ð·Ð°ÑÐ¸Ð¸
ÑÐºÐ¾ÑÑÐ¸Ð½Ð³Ð¾Ð²ÑÐµ ÑÐ¸ÑÑÐµÐ¼Ñ
Ð°Ð½Ð´ÐµÑÑÐ°Ð¹ÑÐ¸Ð½Ð³
ÐºÑÐµÐ´Ð¸ÑÐ½ÑÐ¹ Ð¿ÑÐ¾Ð´ÑÐºÑ
lending to individuals
commercial banks
microfinance institutions
skorring system
underwriting
credit product

description: Ð¦ÐµÐ»ÑÑ Ð´Ð¸Ð¿Ð»Ð¾Ð¼Ð½Ð¾Ð³Ð¾ Ð¿ÑÐ¾ÐµÐºÑÐ° ÑÐ²Ð»ÑÐµÑÑÑ Ð°Ð½Ð°Ð»Ð¸Ð· Ð¸ Ð²ÑÑÐ²Ð»ÐµÐ½Ð¸Ðµ Ð¾ÑÐ¾Ð±ÐµÐ½Ð½Ð¾ÑÑÐµÐ¹ ÐºÑÐµÐ´Ð¸ÑÐ¾Ð²Ð°Ð½Ð¸Ñ ÑÐ¸Ð·Ð¸ÑÐµÑÐºÐ¸Ñ Ð»Ð¸Ñ. ÐÐ»Ñ Ð´Ð¾ÑÑÐ¸Ð¶ÐµÐ½Ð¸Ñ ÑÐµÐ»Ð¸ ÑÐ°ÑÑÐ¼Ð¾ÑÑÐµÐ½Ð° Ð¾ÑÐ³Ð°Ð½Ð¸Ð·Ð°ÑÐ¸Ñ Ð¿ÑÐ¾ÑÐµÑÑÐ° ÐºÑÐµÐ´Ð¸ÑÐ¾Ð²Ð°Ð½Ð¸Ñ ÑÐ¸Ð·Ð¸ÑÐµÑÐºÐ¸Ñ Ð»Ð¸Ñ ÐºÐ¾Ð¼Ð¼ÐµÑÑÐµÑÐºÐ¸Ð¼Ð¸ Ð±Ð°Ð½ÐºÐ°Ð¼Ð¸ Ð¸ Ð¼Ð¸ÐºÑÐ¾ÑÐ¸Ð½Ð°Ð½ÑÐ¾Ð²ÑÐ¼Ð¸ Ð¾ÑÐ³Ð°Ð½Ð¸Ð·Ð°ÑÐ¸ÑÐ¼Ð¸, Ð¿ÑÐ¾Ð²ÐµÐ´ÐµÐ½ Ð°Ð½Ð°Ð»Ð¸Ð· Ð½Ð¾ÑÐ¼Ð°ÑÐ¸Ð²Ð½Ð¾-Ð¿ÑÐ°Ð²Ð¾Ð²Ð¾Ð¹ Ð±Ð°Ð·Ñ Ð² ÑÑÐµÑÐµ ÐºÑÐµÐ´Ð¸ÑÐ¾Ð²Ð°Ð½Ð¸Ñ ÑÐ¸Ð·Ð¸ÑÐµÑÐºÐ¸Ñ Ð»Ð¸Ñ Ð² Ð Ð¾ÑÑÐ¸Ð¹ÑÐºÐ¾Ð¹ Ð¤ÐµÐ´ÐµÑÐ°ÑÐ¸Ð¸, Ð° ÑÐ°ÐºÐ¶Ðµ Ð¿ÑÐ¾Ð°Ð½Ð°Ð»Ð¸Ð·Ð¸ÑÐ¾Ð²Ð°Ð½Ñ ÑÑÑÐ°ÑÐµÐ³Ð¸Ñ Ð¸ Ð¿Ð¾Ð»Ð¸ÑÐ¸ÐºÐ° ÐºÑÐµÐ´Ð¸ÑÐ¾Ð²Ð°Ð½Ð¸Ñ ÑÐ¸Ð·Ð¸ÑÐµÑÐºÐ¸Ñ Ð»Ð¸Ñ. ÐÑÐ¾Ð²ÐµÐ´ÐµÐ½ ÑÑÐ°Ð²Ð½Ð¸ÑÐµÐ»ÑÐ½ÑÐ¹ Ð°Ð½Ð°Ð»Ð¸Ð· ÐºÑÐµÐ´Ð¸ÑÐ¾Ð²Ð°Ð½Ð¸Ñ ÑÐ¸Ð·Ð¸ÑÐµÑÐºÐ¸Ñ Ð»Ð¸Ñ ÐºÐ¾Ð¼Ð¼ÐµÑÑÐµÑÐºÐ¸Ð¼Ð¸ Ð±Ð°Ð½ÐºÐ°Ð¼Ð¸ Ð¸ Ð¼Ð¸ÐºÑÐ¾ÑÐ¸Ð½Ð°Ð½ÑÐ¾Ð²ÑÐ¼Ð¸ Ð¾ÑÐ³Ð°Ð½Ð¸Ð·Ð°ÑÐ¸ÑÐ¼Ð¸. ÐÐ¿ÑÐµÐ´ÐµÐ»ÐµÐ½Ñ Ð¾ÑÐ½Ð¾Ð²Ð½ÑÐµ Ð¾ÑÐ¾Ð±ÐµÐ½Ð½Ð¾ÑÑÐ¸ ÐºÑÐµÐ´Ð¸ÑÐ¾Ð²Ð°Ð½Ð¸Ñ ÑÐ¸Ð·Ð¸ÑÐµÑÐºÐ¸Ñ Ð»Ð¸Ñ Ð² Ð Ð¾ÑÑÐ¸Ð¹ÑÐºÐ¾Ð¹ Ð¤ÐµÐ´ÐµÑÐ°ÑÐ¸Ð¸. ÐÑÑÐ»ÐµÐ´Ð¾Ð²Ð°Ð½Ñ Ð¾Ð¿ÑÑ Ð¸ Ð¿ÑÐ°ÐºÑÐ¸ÐºÐ° ÐºÑÐµÐ´Ð¸ÑÐ¾Ð²Ð°Ð½Ð¸Ñ ÑÐ¸Ð·Ð¸ÑÐµÑÐºÐ¸Ñ Ð»Ð¸Ñ Ð¼Ð¸ÐºÑÐ¾ÑÐ¸Ð½Ð°Ð½ÑÐ¾Ð²ÑÐ¼Ð¸ Ð¾ÑÐ³Ð°Ð½Ð¸Ð·Ð°ÑÐ¸ÑÐ¼Ð¸ Ð½Ð° Ð¿ÑÐ¸Ð¼ÐµÑÐµ ÐÐÐ ÐÐ¤Ð Â«ÐÐ ÐÐ¤ÐÐ ÐÐÐÂ». Ð¡ÑÐ¾ÑÐ¼ÑÐ»Ð¸ÑÐ¾Ð²Ð°Ð½Ñ ÑÐµÐºÐ¾Ð¼ÐµÐ½Ð´Ð°ÑÐ¸Ð¸ Ð¿Ð¾ ÑÐ¾Ð²ÐµÑÑÐµÐ½ÑÑÐ²Ð¾Ð²Ð°Ð½Ð¸Ñ ÐºÑÐµÐ´Ð¸ÑÐ½ÑÑ Ð¿ÑÐ¾Ð´ÑÐºÑÐ¾Ð² Ð´Ð»Ñ ÐÐÐ ÐÐ¤Ð Â«ÐÐ ÐÐ¤ÐÐ ÐÐÐÂ». ÐÑÐµÐ´Ð¿Ð¾Ð»Ð°Ð³Ð°ÐµÐ¼ÑÐµ ÑÐµÐ·ÑÐ»ÑÑÐ°ÑÑ Ð´Ð»Ñ ÐÐÐ ÐÐ¤Ð Â«ÐÐ ÐÐ¤ÐÐ ÐÐÐÂ» Ð¾Ñ ÑÐµÐ°Ð»Ð¸Ð·Ð°ÑÐ¸Ð¸ Ð¿ÑÐµÐ´Ð»Ð¾Ð¶ÐµÐ½Ð½ÑÑ Ð¼ÐµÑÐ¾Ð¿ÑÐ¸ÑÑÐ¸Ð¹: ÑÐ²ÐµÐ»Ð¸ÑÐµÐ½Ð¸Ðµ ÐºÐ¾Ð»Ð¸ÑÐµÑÑÐ²Ð° ÐºÐ»Ð¸ÐµÐ½ÑÐ¾Ð² (Ð·Ð°ÐµÐ¼ÑÐ¸ÐºÐ¾Ð²); ÑÐ»ÑÑÑÐµÐ½Ð¸Ðµ ÑÐ¸Ð½Ð°Ð½ÑÐ¾Ð²ÑÑ ÑÐµÐ·ÑÐ»ÑÑÐ°ÑÐ¾Ð², Ð² ÑÐ¾Ð¼ ÑÐ¸ÑÐ»Ðµ Ð¿ÑÐ¸ÑÐ¾ÑÑ Ð¿ÑÐ¸Ð±ÑÐ»Ð¸.
description: The aim of the graduate project is to analyze and determine the characteristics of retail lending. To achieve the goal of the organization is considered the process of lending to individuals by commercial banks and microfinance institutions, an analysis of the regulatory framework in the sphere of crediting of physical persons in the Russian Federation, as well as analyzed the strategy and policy of lending to individuals. A comparative analysis of retail lending by commercial banks and microfinance institutions. The main features of lending to individuals in the Russian Federation. We studied the experience and practice of lending to individuals microfinance institutions as an example of MFO "PROFIREAL". Recommendations for improving the company for credit products MFO "PROFIREAL". Estimated results for the company MFO "PROFIREAL" from implementation of the proposed measures: an increase in the number of clients (borrowers); improvement of financial results, including earnings growth.