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Transformed population crediting in the Siberian Federal District

The paper analyzes, on the base of a presented sampling, the trends of population crediting by the banks in the Siberian Federal District in the periods of the pre-crisis, crisis and post-crisis restoration. We can state that in the crisis a sex structure of borrowers (physical persons) has significantly changed. We calculated the possibilities of borrowers' default in different borrowers' groups such as sex-, age-, education- and family state ones. We present our considerations on how to adjust the methods for assessing the borrowers' credit risks according to the Basel II requirements. We offer a rating technique to assess physical personswhich allows an improved classification of borrowers and the more adequate credit risk assessment.

Petukhova M. V. [email protected]

Keywords: credit financial crisis bank physical persons methods structure bank borrower's behavior methods