Выпускная квалификационная работа (магистерская диссертация) посвящена исследованию современных тенденций рынка потребительского кредитования в России. Предметом исследования выступает совокупность экономических факторов, влияющих на рынок потребительского кредитования, и качественно-количественные характеристики портфеля потребительских кредитов банка. Цель исследования – анализ влияния экономических факторов, влияющих на структуру и параметры рынка потребительского кредитования в России, а также разработка мероприятий по улучшению качества портфеля потребительского кредитования банка ПАО КБ «УБРиР» под влиянием изменяющейся экономической ситуации. / Final qualifying work (master's thesis) is devoted to the study of modern trends in the consumer lending market in Russia. The subject of the study is a set of economic factors affecting the consumer lending market, and qualitative and quantitative characteristics of the consumer loan portfolio of the Bank. The purpose of the study is to analyze the impact of economic factors affecting the structure and parameters of the consumer lending market in Russia, as well as the development of measures to improve the quality of the consumer lending portfolio of the Bank of PJSC CB "UBRiR" under the influence of the changing economic situation.

This dissertation deals with pawning primarily from the perspective of the pawners. It utilises two samples from the ledgers of a municipal pawnshop in Borås in western Sweden, from 1922/23 and 1932/33. Its aim is to deal with the relation between the material and financial side of pawning as well as the causes behind pawning. One of the results of the study is that most pawn loans were very small, which means that pawning probably was connected to income insufficiency. It showed that weekly repeated pawning, which has been proposed in previous research as a common pattern, was nearly non-existent. Instead, most pawners were occasional customers at the pawnshop. It was shown that certain collateral (such as clothes and decorative objects) affected the length of the redemption time. This meant that pawners had the ability to redeem a pledge quickly – if they had a need for the item. However, at the same time, pawns could remain for a long time in the pawnshop, which indicates that repaying the loan was difficult for the pawner. Otherwise, they should have acted to minimise the interest they had to pay for the loan. For the pawner the payment of the loan likely meant foregoing much needed consumption in the present. According to this study, variability of income was a more important cause for pawning than the size of income. Pawn loans likely countered short-term variation in income or expenditures. However, it could not help against long-term unemployment. The study also investigated if pawning was affected by the life cycle, but found no clear relationship. The study showed that most of the customers at the pawnshop were male, which goes against most of the previous research. Another of the study’s result was that women’s pawning, but not men’s pawning, was connected to the presence of children in the household, and women had also more children than men did. Having many children had also an effect on women’s pawning, but not on men’s. The study considers that it seems like women pawned more due to family needs than men did.

Gamla krediter. Pantbelåningens utveckling i Sverige i relation till utvecklingen av andra kreditsystem, regleringar och välfärdsstatens uppkomst 1850-1950