DEVELOPMENT OF A SYSTEM OF PREFERENTIAL LENDING TO INDIVIDUALS IN RUSSIA BASED ON THE MECHANISMS OF SOCIAL RATING OF BORROWERS

Abstract

One of the most promising areas for the development of credit and financial services in the Russian Federation is the formation of a social lending system, which should be based on a mechanism that ensures the implementation of an algorithm for applying benefits to borrowers in accordance with categories that allow assessing the social merits of citizens to the state and society. Based on the results of the application of the evaluation criteria underlying this mechanism, it is possible to apply and expand benefits for lending to citizens. In particular, covering all socially vulnerable segments of the population, the proposed mechanism should take into account the merits to society and the state, on the basis of which a credit rating is assigned. At the same time, it is important to focus on the key aspects of the personal life and social activities of citizens, which makes it possible to objectively justify decisions on assigning a social rating as a basic condition for obtaining loans on preferential terms.