FORMATION OF CREDIT RESOURCE BASE OF COMMERCIAL BANKS IN CONDITIONS OF FINANCIAL INSTABILITY
The formation of the credit market have internal and external factors that affect the sources of financing, the expense of which is the formation of a credit resource base of commercial banks. The global financial crisis and the collapse of leading international and Russian stock markets have led to the serious problems associated with the liquidity crisis. credit resources market in modern times, characterized by escalating the tense situation due to a sharp reduction in the volume of credit resources owned commercial banks. Under these conditions, the development of the highest priority, are the strategies related to risk acceptability and upgrading tools to prevent it. A more attractive appeared to provide lending to the real sector of economy, small and medium businesses. An objective assessment of the situation as a whole leads to the conclusion that the near future will not be easy. The banking sector will appear differently to optimize its activity, although no doubt that most likely will decrease the number of participants. However, there is reason to hope for a growing increase in the quality index, is likely to be even slower growth marked by the volume of lending in the real economy sector. In today's crisis conditions, when applied various measures to stabilize the economy and the transformation of the credit and financial sphere, the development of mortgage lending system represents an important priority of the state policy and the formation of society. Intense formation of the market of credit resources, which is observed at present in Russia, makes you think about the stability of the momentum increase, that any quantitative and qualitative indicators of the market will be able to achieve in the near future, what will be the structure of the application received credit resources, and who will represent the major players in the market.