Public debt under credits in the regions of the Russian Federation

The article is focused on organization of household finances in terms of attracting loans and appropriating free cash for saving in lending institutions. The current state of loan debts of individuals in rubles in the Russian regions, as well as a value of deposits in rubles, an average amount of indebtedness under ruble loans and ruble deposits, a ratio between their average values in the regions is analyzed. The interconnection between the amount of loan debts and the value of the gross regional product is considered; the interconnection between the value of the average debt per capita and the value of the gross regional product per capita in the region of attracting this loan is considered. Also, total values of individual deposits in rubles depending on the value of the GRP and the ratio between the deposit amount in rubles per capita in the region and the size of GRP per capita in the same region is considered. By regions of the Russian Federation according to their economic development, not only average values of loan debts and the deposit amount per capita, but also the ratio between the average value of the debt under credits in relation to the average deposit per capita in the region are compared.