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This article is dedicated to the analysis of financial behavior of Russians and forming of their credit strategy. In this article were the most important aspects, interactions and tendencies of their financial behavior highlighted. These aspects are considered to be a basis for studying current issues of the models of financial behavior of Russia. Taking functions of credit in account, the features and types of credit instruments were demonstrated and the role of credit services in developed countries studied. Dynamic of the consumer credit was researched. The actual phase of its state was defined and an evaluation of the current situation of credits for individuals was given with considerations of economic and social characteristics of their credit strategies. Within the framework of the research, the consumer credit services were divided in classes and types. Factors of the credit behavior models were defined and gaps in the current financial and credit proceedings were found. Based on the experience of implementing credit cards in Russia was the credit behavior studied. Authors suggest possible solutions for preventing negative economic processes that could help to improve the credit market in Russia. Keywords—credit behavior; credit modality; determinants of credit behavior; matrix of credit behavior; credit culture

Peculiarities of Borrower Behavior of Population in Russia