Shakizada U. Niyazbekova|Angela Mottaeva|Sergey Eroshkin|M. G. Krishtal
Trends in the development of mortgage–backed securities in modern condition
Financial University|Moscow State University of Civil Engineering|Financial University|Financial University
purpose identify objective patterns development mortgagebacked securities determine prospects direction increase role russian economy methods study used general scientific methods cognition including comparative analysis economicstatistical abstract logical methods generalization complex analysis methodological basis fundamental provisions theory mortgages general theory mortgage lending thematic works domestic foreign scientists well data analytical center domrf results concept classification mortgagebacked securities considered features securitization presented analysis factors affecting price level profitability mortgagebacked securities carried analysis state mortgage securities market russia carried analysis factors significant impact current level prices yields russian mortgage bonds carried development problems identified conclusions relevance conditions uncertainty russian economy caused pandemic sanctions geopolitical tensions inflation retail investors seek secure savings investing bonds yields higher deposit rates bank deposits remain main way saving money population popularity bond investments gradually grow especially among younger generation state taken right step towards improving financial literacy russian population instilling culture investing various instruments especially securities similar practice applied mortgagebacked securities recommended use positive experience attracting individuals certain segments stock market simplification access purchase mortgage bonds ordinary population information campaign popularize mortgage bonds simple investment tool optimal compliance riskreturn parameters provision state institutional support measures form tax benefits investors reduced size agency commissions