ENHANCEMENT OF FORMS OF ENSURING RECOVERABILITY OF THE CREDITS IN MODERN CONDITIONS
In article features of bank crediting in modern Russia are considered, the reasons of formation of credit debt are analyzed. It is noted that simplification of procedure of issuance of credits in modern conditions inevitably leads to emergence of credit risks and increase in amount of overdue debt on the credits. Financial crisis has shown that the main problems in activities of the Russian banks are connected with excessively high credit risks which banks undertook in a pursuit of high yield. The increased credit risks lead to a non-return of the credits and growth of problem debt. Besides in this article advantages which are got by credit institution from cooperation with collection agency are studied. Measures for enhancement of forms of ensuring recoverability of the credits in modern conditions are proposed.