Theory and practice of bank lending in the largest banks in Russia

Abstract

The article is devoted to the study of economic indicators of credit activities of the subjects of the banking sector of Russia. The aim of this work is to analyze the state of lending by the largest commercial banks in the system of financing the activities of legal entities and individuals. The methods used in the article include: monographic research, analysis and generalization of statistical data on lending to commercial banks, selective observation, set and grouping of data on loans and credit portfolio of the largest banks.
Summarized statistics of credit indicators of the largest banks in Russia and its diagnostic assessment is given. The article presents a study of the theory and practice of introducing bank lending tools in the largest banks in Russia, depending on the quality of the credit process, the profitability of the business and the ability of innovative development. The article summarizes the methods of bank lending depending on the purpose and direction of financing of sectors of the economy: lending tools for priority industries, small and medium -sized businesses, including support for innovative enterprises, development of regions and targeted lending have been studied.