Factors influencing the formation of social risks of russian youth consumer lending

The author studies the credit behavior of Russians, especially the youth, the most susceptible to external influences group. The author reveals the specifics inherent in the credit behavior, primarily of young Russians, and draws conclusions supported by the analysis of secondary sociological information, a comparative analysis of statistical data on the research problem, and expert assessments given in the text. The disclosure of the topic is facilitated by the identification and description of factors that influence the formation of social and socioeconomic risks of consumer lending to groups of Russians, especially young people. Attention is drawn to such topics as the economic situation in the country; low income growth of the population (including young people); low financial literacy, primarily characteristic to young people; lack of funds and a desire to have everything immediately; consolidation of debts; the factor of deferred demand; unforeseen life situations; lack of state support in matters of lending to young people.