Viktoriya Mandron

The article analyzes the current condition of the bank card market in Russia. The authors conclude that it is rather developed and define its current problems. They consider main directions and prospects for the further development of the bank card market in Russia.

The article examines the economic nature of credit risk in the banking sector and presents its main characteristics. The authors examine the credit risk analysis of the banking sector organizations at the current stage, provide information on credit organizations with bad debts in the loan portfolio, assess the financial coefficients of the loan portfolio quality and identify the main areas of loan portfolio quality management in modern conditions to maintain the stability of credit organizations and secure a profit.

The successful development of the national economic system depends mainly on monetary policy. Since the early 1990-ies the developed monetary policy comes to the fore in the system of state regulation of the market economic system. At the present stage, Russian economic system is experiencing a crisis. The consequence of this situation in national economy is characterized by such factors as the significant depreciation of the national currency, the collapse in commodity prices and stock markets, to impose sanctions against Russia, the manifestation of inflationary processes etc. Running in such adverse economic conditions is a complex process. Therefore, the minimization of these factors and further elimination is needed. One of the tools that can solve a number of negative phenomena in the economy in the short and medium term can be the competent monetary policy.