The issues of studying regional differences caused by the uneven socio-economic development, including in the mortgage lending markets, are quite relevant in the scientific literature. The most effective problem of assessing regional disproportions, according to many researchers, is solved on the basis of constructing various kinds of integral criteria. The purpose of this paper is to develop approaches to the formation of integral criteria in the analysis of regional disparities of the mortgage lending market. The methodological basis of the study was the methods of multivariate regression analysis; its empirical base is the data of state statistics bodies of the Russian Federation, such as Rosstat and the Central Bank, as well as other open official sources. The study involved 85 regions of Russia, which differ significantly from each other in terms of geographical extent, socio-economic, natural potential, national and cultural heritage, and, accordingly, in terms of the level of mortgage development of their own territories. Regression analysis was carried out on large data arrays using the capabilities of the Excel add-in "Data Analysis", as well as the statistical package Statistica. The result was the testing of a new approach to the analysis of regional disproportions in the development of the mortgage lending market using regression models of the main drivers (factors) of the mortgage market development. The novelty of the proposed approach is confirmed by its distinctive characteristics such as the purpose and main tasks solved by its application, the methodology used (basic model), the composition of primary indicators, as well as the level and scope of the methodology, its advantages and disadvantages. It should be noted that the analysis and identification of regional disproportions in development based on the use of the obtained regression models is only one of the intermediate goals that can be solved in the course of the practical use of the proposed approach. It is important that it is the basis for the development of management models for the spatial transformation of regional mortgage markets. The latter is one of the priority areas for further authors’ research.
Loading....