DOI: 10.33917/es-2.200.2025.48-53

The article presents distribution of the largest Russian banks by the size of the loan portfolio, which made it possible to substantiate the fact that in the Russian credit system there is a high level of differentiation in interest rates and conditions for attracting loans, which has an ambiguous effect on the quality of the credit process. The author identifies a modern problem of interaction between banking market entities and clients – the presence of high debt on loans, which will allow in the future to develop and apply, within the framework of banks’ credit policy, the most rational repayment scheme.

References: 

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7. Moldabekova A.Sh. Kreditnyy portfel’ kommercheskikh bankov i problemy vozvrata kredita [Loan Portfolio of Commercial Banks and Problems of Loan Repayment]. Forum, 2021, no 1(24), pp. 37–42.

8. Bagaeva N.Yu., Popova L.V. Otsenka kachestva formirovaniya kreditnogo portfelya kommercheskogo banka [Assessment of the Quality of the Formation of the Loan Portfolio of a Commercial Bank]. Aktual’nye voprosy sovremennoy ekonomiki, 2023, no 12, pp. 239–247.

9. Krupneyshie banki po summe kreditov fizlits v 2024 godu [The Largest Banks in Terms of the Amount of Loans to Individuals in 2024]. BROBANK, available at: https://brobank.ru/krupnejshie-banki-po-summe-kreditov-fizlic-v-2024-godu/

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DOI: https://doi.org/10.33917/es-4.178.2021.76-91

It wouldn’t be too exaggerated to say that today, in the second year of the coronavirus infodemic, we live in a world designed by the Club of Rome. Moreover, here we can speak of “negative geoplanetary architecture”: the Club of Rome did not expand and complicate the current reality, but sought to limit it, to remove some of its significant elements, thereby completely changing not only the structure of the world, but also the paradigm of human existence. And the Club of Rome has succeeded in this, though it is still not clear — for better or for the worse, whether the club acted as an independent actor or as an agent of some forces interested in redistributing world financial flows? Or even acted as a Marxist “historical necessity”. In any case, it has influenced the thinking of intellectuals, economists and politicians of three generations