Suchergebnisse

The article considers the main indicators of demographic development of the Russian Federation in recent years in connection with the level of development of social infrastructure. It is shown that the demographic situation in the country is deteriorating, that is due to both subjective and objective reasons. Among the objective reasons, the main one is the change in the age structure of the population, which is expressed in a sharp decrease in the number of women in fertile age. This is due to the acute demographic crisis of the 1990s, «demographic waves» generated by the Great Patriotic War, and other factors. Among the subjective causes of the decline in birth rate, the article highlights the general patterns of reduction in the number of children in families as the level of socio-economic development increases, which are characteristic of all countries of European culture. In particular, the reduction in the number of children is facilitated by such factors as reduction in the share of officially registered families, increase in child support costs, and the financial difficultiesfaced by families with children during economic crises and stagnation. All these cases are typical for regions of the Russian Federation in recent years. Development of social infrastructure — education, healthcare, culture, sports, and other similar systems — could improve the demographic situation in Russia. Unfortunately, in recent years, such systems have been degrading rather than developing in Russia. This is facilitated by the system of statistical reporting that does not reflect the actual situation. The article proposes approaches that could overcome this shortcoming of the present statistical reporting system, thereby contributing to the demographic development of the modern Russian Federation.

The article discusses topical issues related to the current trends in the field of lending to population in Russia. The purpose of the work is to identify possible risks of individuals' actions in the market of credit services on the basis of analysis of statistical and sociological data. Based on the general scientific dialectic approaches used by the authors, the article shows dynamics of growth in the banks' loan portfolio, growth in lending volumes (banks and microfinance organizations), as well as households' debt from 2013 to 2019 in rubles and foreign currency (in general and in mortgages). Russian macro-regions are ranked by absolute indicator of debt and by its growth rate. Opportunities and risks have been identified for borrowers wishing to take advantage of the benefits provided by the State effective from April 2020 (refinancing, credit holidays). There were assessed the measures applied by the State, in particular, credit holidays for individuals and restrictions for banks in issuing loans through introduction of a mandatory debt load indicator, which will contribute to improvement of the current situation with huge debt and to reduction of social risks. Although in the long run — in terms of the overall impact on the country's economy — a reduction in public borrowing may reduce the contribution of consumer credit to economic growth and slow it down. It is concluded that despite the measures taken by the State, the existing level of the population borrowing is a great danger due to the reduction of income as the economic consequence of the coronavirus pandemic.