Long-term lending in Russian banks: current state, impact of inflation, and digital innovations

The article discusses the theoretical foundations of long-term lending, analyzing its role and necessity for development within the Russian economy. The dependence of long-term lending on the influence of inflation in the period 2021-2024 is investigated. It also substantiates the dependence of the growth and decline in lending growth rates on the level of inflation and concludes that inflation affects precisely the growth rate of lending volumes, but not the increase or decrease in lending volumes. An analysis of the dynamics of lending is carried out for various categories of borrowers (corporate loans (non-financial organizations, financial organizations, individual entrepreneurs), individuals, government agencies), by types of loans and by loan terms. Innovative trends that can be observed in the long-term lending market in modern conditions are highlighted.