MECHANISM FOR MANAGING THE DEBT BURDEN OF INDIVIDUALS AND CREDIT RISK IN A COMMERCIAL BANK
The article touches upon the issues of regulation of the level of debt burden in the segment of retail lending to individuals and the use of this indicator in order to minimize the level of credit risk, as one of the parameters of macroprudential regulation of banking activities by the Bank of Russia. Excessive debt burden leads to over-crediting of the population, inability to timely and fully service current obligations on bank loans and, as a result, to an increase in the share of problem and overdue debts in commercial banks and the banking sector as a whole. The consequences of excessive debt burden may be a decrease in the stability of the banking sector as a whole and an increase in the risks of "collapsing" financial bubbles