Keyword: «credit history»

. In modern conditions there is a reduction in liquidity of the banking system and the growth of defaults on loans lead to a slowdown in lending, exacerbating the growing crisis. The specificity of the banks is activity on placement of funds mainly due to borrowed resources. Loan defaults, especially large ones, can lead to bankruptcy of the bank. This article deals with the basic questions of the organization of work of employees of the bank credit at the stage of preliminary negotiations with potential borrowers, legal entities about the expediency of the conclusion in the lending contract.

Consumer lending has always been and is the most profitable activity for banks. The reason for this is that the interest rate on consumer loans is so high that the market price of borrowed loans and the level of bank losses for unreturned loans should so sharply increase that this segment of bank lending ceases to be profitable. Therefore, commercial banks seek to increase the share of consumer loans in their portfolios. This article is devoted to the consideration of the main key issues of the organization of work of bank loan officers when negotiating with private borrowers to determine the appropriateness of concluding a loan agreement.