Keyword: «restructuring»

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.

The article justifies the need to assess the process of restructuring the production and economic activities of an enterprise. The main methods of effectiveness evaluation are considered, their purpose and resources are characterized. The most appropriate methods for assessing the restructuring of production and economic activities of enterprises are determined.

This article deals with topical issues of debt restructuring under mortgage contracts. The author analyzes the legislative initiatives of the Bank of Russia on the introduction of "mortgage holidays" for borrowers and their expected consequences. Special attention is paid to the practice of using "currency mortgage".