СОЦИАЛЬНЫЕ РИСКИ В РАМКАХ КЛАССИФИКАЦИИ РИСКОВ ПОТРЕБИТЕЛЬСКОГО КРЕДИТОВАНИЯ

Abstract

The emergence of interest in the field of consumer lending is due to an increase in people's exposure to social risks in changing realities, since in order to achieve the necessary goals and objectives in the modern world, a person has to take risks. Sometimes the risk is justified and leads to positive results, and sometimes it ends with disastrous consequences. The article presents the conceptualization of social risks of consumer lending, as well as their contextualization within the framework of various systems of classification of risks of consumer lending. It is proposed to define the social risks of consumer lending as external (systematic) risks that can have consequences both in the form of losses and in the form of lost profits for the lender. A distinction is made between the social and political risks of consumer lending, as well as between social risks as a category of general credit risks and specifically social risks of consumer lending for current needs. In this article, we analyze the differences between the risks of consumer lending and the risks for the development of consumer lending (i.e. a broad group of risks affecting banks that provide consumer loans). We propose to conceptualize the risks of consumer lending as risks associated with a possible scenario of non-repayment of a consumer loan to a bank.