Analysis of credit risk

Abstract

Purpose: the article analyzes the impact of credit risks on the state and dynamics of the development of the credit market in Russia. Discussion: the article contains a comprehensive research of the credit market in the following directions: macroeconomic analysis of the volume, structure and dynamics of the credit market; analysis of the quality of banks' loan portfolios based on credit risk indicators; analysis of industry risks in the loan portfolio; analysis of the conditions for the availability of bank lending; analysis of factors affecting the level of risks of an individual credit transaction. Results: the author evaluates the dynamics of the development of the Russian credit market positively. However, the author singled out factors that adversely affect the availability of credit resources and the growth of risks. Therefore, it is necessary to constantly monitor the level of credit risks, to seek tools to reduce them in order to expand and activate all segments of the market.