Importance The article analyzes the final part of the business project for consumer lending, i.e. loan servicing and completion of the loan agreement. Objectives The research analyzes effective strategies for the bank to liaison with borrowers during loan servicing through the game theory approach. Methods The article depicts how the bank liaisons with borrowers when servicing their loans, as a position, multistage and non-antagonistic game with inexact information. Results Regarding the loan servicing process as a position and non-antagonistic game, we could reveal principal and pure strategies of parties, identify directions to move from one strategy to another, show inefficiency of the penalty-and-pressure strategy, formulate approaches to optimizing the use of penalty and restructuring strategies on the basis of the concept of equal benefits. Conclusions and Relevance If banks decline their dominance approach and the penalty-and-pressure strategy, reasonably limit the strategy for charging borrowers through situations with tolerable losses and massive application of the restructuring strategy through the concept of equal benefits, it will alleviate conflicts between banks and borrowers and create conditions for amplifying consumer lending in Russia.
Keywords: position games, inexact information, equal benefits
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