摘要：The growth of the debt burden of the population of the regions of Russia due to the growth of unsecured consumer loans is contrary to plans to ensure economic development. It is necessary to eliminate the threat of excessive lending as a risk factor for the security of households and the economy as a whole. The purpose of the study is to analyze the state of lending and the level of creditworthiness of the population as a risk factor for the socio-economic security of the region and develop initiatives to reduce the negative impact of this factor on the economy of the region. The following research methods are used: bibliographic method, statistical and economic-mathematical research methods. During the study, the following results were achieved: a) an analysis of the volumes and risks of lending to individuals is presented; b) the analysis of the creditworthiness of the population in the regions is presented (on the example of the Volga Federal District); c) initiatives were proposed to reduce the impact of debt on the living standards of the population and the economy of the regions of the Volga Federal District.
