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<!DOCTYPE article PUBLIC "-//NLM//DTD JATS (Z39.96) Journal Publishing DTD v1.3 20210610//EN" "JATS-journalpublishing1-3.dtd">
<article article-type="research-article" dtd-version="1.3" xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xml:lang="ru"><front><journal-meta><journal-id journal-id-type="publisher-id">business</journal-id><journal-title-group><journal-title xml:lang="ru">Путеводитель предпринимателя</journal-title><trans-title-group xml:lang="en"><trans-title>Entrepreneur’s Guide</trans-title></trans-title-group></journal-title-group><issn pub-type="ppub">2073-9885</issn><issn pub-type="epub">2687-136X</issn><publisher><publisher-name>JSC “Publishing Agency “Science and Education”</publisher-name></publisher></journal-meta><article-meta><article-id custom-type="elpub" pub-id-type="custom">business-1273</article-id><article-categories><subj-group subj-group-type="heading"><subject>Research Article</subject></subj-group><subj-group subj-group-type="section-heading" xml:lang="ru"><subject>Статьи</subject></subj-group></article-categories><title-group><article-title>Модели ломбардного бизнеса в мировой практике</article-title><trans-title-group xml:lang="en"><trans-title>Models of pawnshop business in the world practice</trans-title></trans-title-group></title-group><contrib-group><contrib contrib-type="author" corresp="yes"><name-alternatives><name name-style="eastern" xml:lang="ru"><surname>Криворучко</surname><given-names>С. В.</given-names></name><name name-style="western" xml:lang="en"><surname>Kryvoruchko</surname><given-names>S. V.</given-names></name></name-alternatives><email xlink:type="simple">gleb@33.east.ru</email><xref ref-type="aff" rid="aff-1"/></contrib></contrib-group><aff-alternatives id="aff-1"><aff xml:lang="ru"><institution>ФГОБУ ВПО «Финансовый университет при Правительстве Российской Федерации»; Институт финансово-экономических исследований</institution><country>Россия</country></aff><aff xml:lang="en"><institution>FGOBU VPO «Financial university under the Government of the Russian Federation»; Institute of Financial and Economic Research</institution><country>Russian Federation</country></aff></aff-alternatives><pub-date pub-type="collection"><year>2016</year></pub-date><pub-date pub-type="epub"><day>29</day><month>01</month><year>2020</year></pub-date><volume>0</volume><issue>29</issue><fpage>170</fpage><lpage>175</lpage><permissions><copyright-statement>Copyright &amp;#x00A9; Криворучко С.В., 2020</copyright-statement><copyright-year>2020</copyright-year><copyright-holder xml:lang="ru">Криворучко С.В.</copyright-holder><copyright-holder xml:lang="en">Kryvoruchko S.V.</copyright-holder><license xml:lang="ru" license-type="creative-commons-attribution" xlink:href="https://creativecommons.org/licenses/by/4.0/" xlink:type="simple"><license-p>Данная работа распространяется под лицензией Creative Commons Attribution 4.0.</license-p></license><license xml:lang="en" license-type="creative-commons-attribution" xlink:href="https://creativecommons.org/licenses/by/4.0/" xlink:type="simple"><license-p>This work is licensed under a Creative Commons Attribution 4.0 License.</license-p></license></permissions><self-uri xlink:href="https://www.pp-mag.ru/jour/article/view/1273">https://www.pp-mag.ru/jour/article/view/1273</self-uri><abstract><p>Статья посвящена проблемам развития и регулирования ломбардной деятельности в условиях кризиса. Содержит краткое описание различных моделей ломбардного бизнеса по регионам и странам. Сегодня к ломбардам могут обращаться люди, не рассчитывающие по разным причинам получить кредиты в банках - все это способствует росту популярности услуг ломбардов во всем мире.</p></abstract><trans-abstract xml:lang="en"><p>In the article are presented the development and regulation problems of pawnshop activity in the crisis conditions. It includes brief description of different pawnshop business models by regions and by countries. Today pawnshops are interested by those people who are not able to receive credit in the bank that makes them popular all over the world.</p></trans-abstract><kwd-group xml:lang="ru"><kwd>ломбардные ссуды</kwd><kwd>залог</kwd><kwd>микрокредиты</kwd><kwd>золото</kwd></kwd-group><kwd-group xml:lang="en"><kwd>pawnshop loan</kwd><kwd>collateral</kwd><kwd>microcredits</kwd><kwd>gold</kwd></kwd-group></article-meta></front><back><ref-list><title>References</title><ref id="cit1"><label>1</label><citation-alternatives><mixed-citation xml:lang="ru">ADB-OECD study on enhancing financial accessibility for SMEs: Lessons from recent crises. Mandaluyong City, Philippines: Asian Development Bank, 2013. http://www.oecd.org/cfe/smes/adb-oecd-study-enhancing-financial-accessibility-smes.pdf.</mixed-citation><mixed-citation xml:lang="en">ADB-OECD study on enhancing financial accessibility for SMEs: Lessons from recent crises. 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Discussion Document - July 2014 http:// www.consumeraffairs.govt.nz/legislation-policy/documents/responsible-lending-code-discussion-document.pdf.</mixed-citation></citation-alternatives></ref><ref id="cit4"><label>4</label><citation-alternatives><mixed-citation xml:lang="ru">Regulatory Guide 209: Credit licensing: Responsible lending conduct http://download.asic.gov.au/media/2243019/rg209-published-5-november-2014.pdf.</mixed-citation><mixed-citation xml:lang="en">Regulatory Guide 209: Credit licensing: Responsible lending conduct http://download.asic.gov.au/media/2243019/rg209-published-5-november-2014.pdf.</mixed-citation></citation-alternatives></ref></ref-list><fn-group><fn fn-type="conflict"><p>The authors declare that there are no conflicts of interest present.</p></fn></fn-group></back></article>
