SCIENTIFIC AND THEORETICAL ASPECTS OF THE INFLUENCE OF PSYCHOLOGICAL FACTORS ON LENDING TO INDIVIDUALS

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DOI:

https://doi.org/10.60078/3060-4842-2024-vol1-iss2-pp133-138

Abstract

This article examines the scientific and theoretical aspects of the influence of psychological factors on lending to individuals, improving the credit system in the banking and financial systems, an attractive offer of credit services, as well as the demand for credit that clearly and reliably determines the possibility of repaying the loan, and shows ways to increase it

Keywords:

behavior credit card risk risk management financial stability forecasting personal factor

References

Dennett, D.C. Consciousness Explained; Little Brown and Company: Boston, MA, USA, 1991.

George M Korniotis & Alok Kumar, 2011. "Do Older Investors Make Better Investment Decisions?," The Review of Economics and Statistics, MIT Press, vol. 93(1), pages 244-265, February.

Kahneman, D. (1982) Tversky, A. Intuitive Prediction: Biases and Corrective Procedures; Cambridge University Press (CUP): Cambridge, UK, pp. 414–421.

Xavier Gabaix, David Laibson The Age of Reason: Financial Decisions over the Life Cycle and Implications for Regulation . Working Paper 13822 http://www.nber.org/papers/w13822

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SCIENTIFIC AND THEORETICAL ASPECTS OF THE INFLUENCE OF PSYCHOLOGICAL FACTORS ON LENDING TO INDIVIDUALS. (2024). In Advanced Economics and Pedagogical Technologies. https://doi.org/10.60078/3060-4842-2024-vol1-iss2-pp133-138