Formation and evolution of consumer credit institution in Russia


Undergraduate department of banking and insurance
Russia, Tyumen State University
[email protected]


The article deals with the definition of consumer credit, the stages of the institute of consumer lending in Russia, also the main trends in the market of bank lending to the population of the Russian Federation.


Consumer lending, consumer credit, the stages of development of the banking sector, financial literacy.

Print Friendly, PDF & Email

Categories of article:

Read also

Suggested citation

Afanasev Kirill Sergeevich
Formation and evolution of consumer credit institution in Russia// Modern Management Technology. ISSN 2226-9339. – #4 (28). Art. # 2801. Date issued: . Available at:

Full article text is available only in Russian.
Please select from the menu Russian language and continue reading.


  1. Baburina N.A.  Loan and investment potential of the bank: the concept and elements [Kreditno-investitcionnyi potentcial banka: poniatie i elementy]. Bulletin of the Tyumen State University. 2006. № 3. 208-210 pp.
  2. Lavrushin O.I.  Money Credit Bank [Dengi, kredit, banki]. 5th ed.  Moscow: Finance and Statistics, 2008.
  3. Miroshnichenko O.S. Credit risk and equity commercial bank [Kreditnyi risk i sobstvennyi kapital kommercheskogo banka]. Finance and Credit. 2011. № 1 (433). 21-31 pp.
  4. Overview of the Russian banking sector. Analytical indicators [Obzor bankovskogo sektora RF. Analiticheskie pokazateli]. Internet version. № 125, 2013.
  5. “On Credit Histories [O kreditnykh istoriiakh]” Law of the Russian Federation (N 218-FZ of December 30, 2004).
  6. Letter of the Bank of Russia of 26.05.2005 № 77-T “Recommendations on information disclosure standards for consumer credit.” [Pismo Banka Rossii ot 26.05.2005 № 77-T «O rekomendatciiakh po standartam raskrytiia informatcii pri predostavlenii potrebitelskikh kreditov»].
  7. Sarnakov I.V. Consumer Finance in Russia: theory, practice and legislation [Potrebitelskoe kreditovanie v Rossii: teoriia, praktika, zakonodatelstvo]. Textbook. Moscow. Law, 2010.