FINANCIAL AND METHODOLOGICAL ASPECTS OF QUALITY CONTROL OF THE ACTIVE PART OF THE BANK''S CREDIT RESOURCES
Introduction: the relevance of the problem raised in this article is determined by the diversity and complexity of the changes taking place in the banking system of Russia, the emergence of numerous innovations in the organization, forms of service and methods of management of banks, the need to develop a holistic concept to improve their functioning. A feature of the Russian banking system today is the deterioration of the financial condition of a number of Russian commercial banks and, as a consequence, the increase in the number of their bankruptcy. This in turn leads to a decrease in the confidence of economic entities of the population in the banking system as a whole. To overcome these crisis phenomena, commercial banks are required to use the most effective methods of asset and liability management. Materials and Methods: in the preparation of scientific work were used data of the Federal state statistics service, the Moscow stock exchange, the Central Bank of the Russian Federation, the Analytical credit Rating Agency were used in the preparation of the scientific work. Results: after analyzing the predictions, made by experts of ACRE, were identified the main trends in the development of the market of banking services and active part of the Bank resources in particular: maintaining focus the sustained growth of the assets of the banking system, increase the speed growth of volumes of crediting of physical and legal entities with simultaneous stagnation processes, interbank lending stagnation net interest margin of banks will increase the interest income from making loans to individuals, along with the trend of the declining role of banking profitability, interest received on loans granted to legal entities and income from securities. Discussion: in the process of managing assets and liabilities of banks, it becomes possible to regulate interest rate and liquidity risks, to coordinate the adoption of informed decisions on the choice of financing methods and options for the placement of borrowed funds. Conclusion: high-quality asset management of a commercial Bank should be aimed at placing resources in the most profitable assets with the necessary level of liquidity and having a limited level of risk, at maximizing the current value of assets and optimizing the financial results of the Bank's activities.