PROBLEM OF DEBT LOAD OF THE POPULATION OF REGIONS OF THE RUSSIAN FEDERATION

Issue № 3, 2017, article № 13, pages 81-84

Section: Social problems of rural territories

Language: Russian

Original language title: ПРОБЛЕМА ЗАКРЕДИТОВАННОСТИ НАСЕЛЕНИЯ РЕГИОНОВ РОССИЙСКОЙ ФЕДЕРАЦИИ

Keywords: AGRICULTURE, REGION ECONOMY, LIVING WAGE, MONETARY INCOME, CREDIT

Abstract: Debt load of the population becomes dangerous not only for economy of Russia, but also for a financial system of the country. In article the problem of debt load of the population of regions of Russia, including the Republic of Kalmykia is defined, the causes of debts of the population are investigated. The Republic of Kalmykia being the raw-material producing region in which structure of economy the agricultural kind of activity steadily dominates, has the low average per capita monetary income which lags behind the Russian Federation on average by 2.3 times. Debt load of the population of Kalmykia for the beginning of 2016 makes 86,7‰. The average monthly payment on all credits of Russians has made 12.7 thousand rubbles whereas in Kalmykia the average payment makes 17.6 thousand rubbles a month. In article the main reasons for emergence of credit debts are defined, and also ways of improvement of a situation with debt load of the population of Kalmykia are offered. It is necessary for improvement of a situation with debt load of the population: to stabilize an economic condition of the region for increase in the monetary income of the population; to stop uncontrolled distribution of the credits; it is more active to carry out work on increase in financial literacy of the population.

Authors: SHarinova Galina Anatolevna