Open AccessFORMATION AND DEVELOPMENT OF CREDIT BUREAUS IN RUSSIAN FEDERATION
Author(s) -
А. В. Шульгина,
P. Cherkasskikh
Publication year - 2021
Publication title -
nacionalʹnaâ associaciâ učënyh/nacionalʹnaâ associaciâ učenyh
Language(s) - English
Resource type - Journals
eISSN - 2782-2869
pISSN - 2413-5291
DOI - 10.31618/nas.2413-5291.2021.3.66.418
Subject(s) - export credit agency , credit history , debt , credit reference , business , financial system , credit risk , credit enhancement , russian federation , finance , accounting , actuarial science , economic policy
In recent years, along with an increase in the number of loans issued, there has been an increase in overdue and bad debts to credit institutions. In this regard, the study of the development of credit history bureaus, as the most important tool for reducing credit risk, is relevant. The paper studies the process of formation of BKI in Russia, analyzes their activities, identifies the main problems, such as duplication of information in credit histories, the presence of erroneous information in them, and others. The prospects for further development are identified, in particular, the creation of qualified credit history bureaus, the use of more information sources in the formation of credit histories.