THE IMPROVEMENT OF BANK LENDING BY LOWERING INTEREST RATES
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Author(s): | Antonova M. V., Kutishcheva E. V., |
| Number of journal: | 1(30) | Date: | February 2015 |
| Annotation: | The paper examines the dynamics of interest rates on bank loans provided to individuals and non-financial organizations. Interest rate analysis is performed by comparing data of the Russian Federation and the Lipetsk region. Conclusions about the regional characteristics of the area under consideration are made for lending the corporate borrowers. The authors discuss factors that affect the level of interest rates on the bank loans; a model of establishing the interest level on the bank loan is proposed. The article proposes the author's model for determining the interest rates on loans taking into account the individual characteristics of the borrower; the directions of improvement of bank lending by lowering the interest rates on loans are determined. |
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| Keywords: | bank, credit, borrower, lender, bank lending, interest, rate, external factors, internal factors, cost price of credit resources |
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