Keyword: «the borrower»

To ensure the stability of the banking system is not only important to have a mechanism to protect consumers as the weakest party consumer credit agreement, but also to improve the mechanism refund arrears. The article presents the concept of «debt collection», showing the features of its implementation despite the absence of a specific law governing the activities of collection agencies. It concludes on the need to improve legislation in this area.

. 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.