**Author details**

Mikhail Pomazanov National Research University Higher School of Economics, Moscow, Russian Federation

\*Address all correspondence to: mhubble@yandex.ru

© 2022 The Author(s). Licensee IntechOpen. This chapter is distributed under the terms of the Creative Commons Attribution License (http://creativecommons.org/licenses/by/3.0), which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.

*Risk Management Tools to Improve the Efficiency of Lending to Retail Segments DOI: http://dx.doi.org/10.5772/intechopen.108527*
