No abstract

The article deals with current issues related to modern processes of lending to the population in Russia. The article aims to identify possible risks and consequences of over-lending to individuals based on the analysis of statistical data. Research objectives include analysing data dynamics of volume of the issued housing loans for the past 13 years, including mortgage loans; tracing the dynamics of household debt (total and for this type of lending) in rubles and foreign currency in macro-regions (Federal districts) of the Russian Federation; and describing the features and trends of car loans in our country. Results of the study revealed an uneven increase in the amount of debt on loans of the population living in different macro-regions of Russia. The authors concluded that the share of personal debt to credit institutions on mortgages «inside» of housing loan debt from 2006 to 2018 has more than tripled. In general, reasons for changes in the credit behaviour of Russians lie in lowered interest rates and the fear of their future growth, chances of refinancing previously taken loans, concerns about rising inflation, pent-up demand for housing and durable goods. A further increase in the growth of consumer loans and the volume of public debt on them may lead to the overheating of the credit market.

УДК [330.564.2+330.567.2+338] (470+571) (082) ББК 65.9(2Рос) Д71 Публикуется по решению Ученого совета ФНИСЦ РАН Рецензенты: д-р экон. наук О. Н. Вершинская (ИСЭПН ФНИСЦ РАН) д-р социол. наук, проф. П. В. Разов (Финансовый университет) Редакционная коллегия: д-р экон. наук, проф. А. В. Ярашева (отв. ред.) д-р экон. наук О. А. Александрова канд. экон. наук Н. В. Аликперова Доходы, расходы и сбережения населения России: тенденции и перспективы.

The article addresses the issues of youth employment and factors affecting the success of employment. Based on official statistics, unemployment rates are compared by age groups in the federal districts ofRussia. The analysis of the situation inMoscowand in the regions of theFar Eastrevealed the most vulnerable in terms of employment group of the population – from 15 to 29 years. According to the results of their own sociological research carried out in the metropolitan metropolis, there are presented: channels for finding vacancies, reasons that impede the employment of young people, difficulties in communicating directly with employers, and willingness to retrain. The greatest problems in the employment of young people (including graduates of universities and colleges) are the lack of necessary experience and an appropriate level of education. It is revealed that the most effective ways of finding jobs for young people are special sites on the Internet and contacting the city employment service. The structure of young unemployed by level of education in the Russian macro-regions is considered. Comparison of the situation in the regions of the Far East and inMoscowshowed the presence of similar problems, including an oversupply of trained specialists in the professions lawyer, economist, manager. The imbalance between the needs of the labor market and the supply of young labor requires decision-making at the federal and regional levels.

УДК [330.564.2+330.567.2+338] (470+571) (082) ББК 65.9(2Рос) Д71 Публикуется по решению Ученого совета ФНИСЦ РАН Рецензенты: д-р экон. наук О. Н. Вершинская (ИСЭПН ФНИСЦ РАН) д-р социол. наук, проф. П. В. Разов (Финансовый университет) Редакционная коллегия: д-р экон. наук, проф. А. В. Ярашева (отв. ред.) д-р экон. наук О. А. Александрова канд. экон. наук Н. В. Аликперова Доходы, расходы и сбережения населения России: тенденции и перспективы.