ECONOMIC SECURITY AS A FACTOR OF STABILITY IN THE SPHERE OF CONSUMER LENDING OF A COMMERCIAL BANK
The article is devoted to the analysis of the consumer loan portfolio of the commercial bank "HKF Bank" LLC and assesses the level of economic security. The author analyzed the main economic ratios: coverage ratio, net loan portfolio, overdue payments, which characterize the level of bank lending activity and the degree of credit risk. Full compliance by the bank with all the standards established by the Bank of Russia was revealed, which allowed the author to conclude that the system of economic security is stable. In conclusion, general recommendations were made to maintain stability in the field of lending to HCF Bank LLC, such as: conduct a more thorough comprehensive check of the level of creditworthiness of potential borrowers, use a complete toolkit to minimize credit risks, increase the number of secured loans issued to individuals, constituting major share of the bank's loan portfolio.