Ermakova Aleksandra Viktorovna
Assessment of the effectiveness of the use of housing mortgage lending as an instrument of monetary policy in Russia
ID number: J2020113
Abstract: The article analyzes the possible negative consequences of the applied monetary policy measures in the context of the current crisis market conditions. The assessment of the likelihood of such consequences on the basis of historical data was conducted. The previously approved development strategies of the Russian Government in the field of mortgage lending were studied. The comparative analysis of the current indicators of the Russian market with the markets of developed countries is carried out. Statistical data was used for the study from the Federal State Statistics Service and world analytical agencies. Based on expert opinions and the obtained results of data analysis, conclusions about the effectiveness of the applied credit instruments were made.
Key-words: mortgage credit lending, money-credit policy, key rate, the solvency of the population, debt burden of the population
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