About some aspects of digital currencies issue

Sokolova Elena Yurievna

The consequence of the financial stabilization policy implemented in recent years has been a significant deterioration in the structure of the economy and a weakening of the possible economic growth. As a result of anti-Russian sanctions, higher tax payments, budget savings, high loan rates and increased requirements for borrowers, Russia has faced a severe shortage of domestic demand. In order to maintain economic growth and avoid a recession, the state's policy should be aimed at preserving consumer credit for the population and its profitability for banks. This will support the demand of citizens for goods and services, and supporting demand, in turn, will save production and jobs. Therefore, the availability of credit is currently an extremely important and urgent problem. However, it should also be remembered that some support should be provided to credit institutions in order to prevent the deterioration of their financial condition and the assumption of unaffordable risks in the form of low-quality borrowers. Managing these two parameters simultaneously is a complex state task that central banks and governments of all developed countries, including Russia, are engaged in. It is important to support the current income of the population.

Keywords:consumer lending, mortgage, key rate, credit load, credit risk, consumer demand, GDP.