The article is dedicated to the issues of consumer lending, as one of the fastest growing segments in banking credit. It is noted that the influx of borrowers with higher debt levels ensures a gradual increase in the credit burden on the retail portfolio as a whole. The structure and features of the consumer credit market development are examined, taking into account the influence of consumer demand dynamics and the growth of borrowers' debt burden.
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Andronnikov et al. (2024) studied this question.
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