Rubleva Tatyyana Aleksandrovna – Economist, Vector-Best-Yug CJSC
The system of mortgage lending is risky in nature which affects the efficiency of residential real estate financing. The paper considers various interpretations of the definition of "bank risk", and shows the model developed by the author that estimates the risk of default by the borrower. On the basis of the proposed model the risk degree of the default by the borrower in the Southern Federal District was assessed.
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