International Conference on Business and Technology (ICBT), İstanbul, Turkey, 6 - 07 November 2021, vol.487, pp.103-123
Optimization of credit activity is the key to stable development, expansion of the customer base, and growth of profits of banking institutions. Therefore, the priority of ensuring the financial stability of a modern bank should be the formation and effective implementation of credit policy. The purpose of the article is to study the features of banking lending and substantiate scientific and practical recommendations for its improvement, taking into account modern realities and prospects for financial market development.