MODERNIZATION OF BANK LENDING PRODUCTS FOR INDIVIDUALS
The article deals with the approaches to the modernization of bank lending products for individuals: marketing, informational and mathematical methods are highlighted. The possible directions of optimization of bank lending products for individuals by the author includes improving the proposed product properties, product development with additional features, product development with the lowest price for the consumer. It is noted that there are three ways to optimize: involving third-party specialists, using our own staff and combining the above approaches. In addition, during the study of bank lending products modernization features in other commercial banks, the author defines the sequence and content of the stages of bank lending products modernization. The purpose of modernization is to reduce the costs of banking institutions and its credit risks.