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Finance and Credit
 

Experience of consumer crediting in Dagestan

Vol. 15, Iss. 29, AUGUST 2009

Available online: 17 September 2009

Subject Heading: Banking

JEL Classification: 

Gadzhiev A.A. the Doctor of Economics, the professor managing chair of monetary circulation and the credit of Dagestan state university

Rakhmanov F.A. the leading expert, National Bank of Republic Dagestan ;

In article the role of commercial banks in the organization of consumer crediting in region is considered. In consumer crediting all commercial banks and the Dagestan branch of Savings bank of Russia which still remains the leader on crediting of consumer needs of the population now are engaged. Its credit portfolio of private clients already exceeds 1 billion rbl.
     Thus, one of indispensable conditions of granting of the consumer credit is presence of maintenance of timely and full execution of obligations by the borrower, therefore depending on a maintenance kind contracts of pledge and other documents necessary for granting of the credit are made out.

Keywords: bank, the credit, the organisation, the consumer credit

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ISSN 2311-8709 (Online)
ISSN 2071-4688 (Print)

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