Features of the system of management of overdue debt on the portfolio of banking consumer lending

The article discusses the features of the formation of a portfolio of consumer lending of banks, in particular, the main reasons are determined that have influenced the increase in the indicators of overdue debt on loans in recent years. The main proposals for monitoring the level of debt and its decrease are also allocated. As key catalysts for the growth of this indicator, a decrease in the level of real disposable income of citizens, as well as shock phenomena that have taken place in the Russian economy in recent years, is determined. The research methodology includes a statistical analysis according to the structure of the portfolio of consumer lending to the subjects of the banking sector, as well as the level of real disposable incomes of the population. As a promising offer in the banking credit sphere, it is proposed to optimize and digitalize the main channels of customer service channels.