Оптимизация правового регулирования кредитной деятельности в условиях цифровизации: проблемы и перспективы развития

Abstract

The subject of the research is the current Russian legislation regulating lending activities in the context of the implementation of the national project “Digital Economy”. The purpose of the article is to establish functioning legal opportunities to reduce debt load and to identify directions for optimizing national legislation governing the provision of credit products. To effectively impact digital transformation on lending, the focus should be on developing a new mindset to make the best use of technology, motivate people and streamline processes. It is financial institutions that create a collaborative and innovative culture to drive change that can deliver real returns on their technology investments in banking. Conclusions are formulated that there is a need for regulatory regulation of online lending, the introduction of digital credit platforms, and the development of credit and digital culture of the population. First of all, this concerns amendments to the law “On banks and banking activities” on the provision of digital credit. In addition, with the adoption in 2020 of the Federal Law “On Digital Financial Assets, Digital Currency and Amendments to Certain Legislative Acts of the Russian Federation”, it is required to bring the regulations of the Bank of Russia on the possibility of lending against digital financial assets and digital currency in line with the current legislation.