INDIVIDUAL RATING IN THE CREDIT HISTORY OF CITIZENS: OPPORTUNITIES AND THREATS
The article is devoted to the study of the problems of formation of an rating of the individual borrower in the credit history of citizens in the Russian Federation and the solution development. The author formulates the concept of an individual borrower rating based on specific features. Based on the analysis of the prospects for using an individual rating to assess the credit history of citizens, it identifies the opportunities that its use provides for the development of the financial market, and also identifies threats that arise when it appears. Based on the identified threats, recommendations are proposed to reduce the likelihood of their occurrence. It was concluded that along with the development of market relations in the indicated financial market segment it is necessary to take a number of regulatory measures aimed at the formation of civilized relations in it.