CONDITION, PROBLEMS AND TENDENCIES OF INDIVIDUALS' LENDING BY BANKS IN THE RUSSIAN FEDERATION
Lending to individuals - one of commercial banks' field of concern, which brings them income. With the help of using credit, people can improve the quality of life, such as buying property. Demand on bank loans increases every year, that's why the competition among credit institutions is rising too. These tendencies cause the necessary changes in the credit system throughout the country, which leads to the relevance of this study. In this article is given an integrated analysis of the dynamics of loans, the weight - average interest rates on loans to individuals and their correlation. To evaluate the modern situation in the branch the author found out the main factors that influenced the slowdown of the credit system in the years 2014-2015. The result of this analysis is a conclusion that in this year, the credit system is emerging from crisis, the volume of loans to individuals is increasing.