CONSEQUENCES REALITIES OF THE AGGRESSIVE POLICY OF BANKS ON COMMERCIAL CREDITING AND NECESSITY FOR THE MECHANISM OF ENSURING REPAYMENT OF BANK LOANS

The purpose of this article is the complex analysis of the actual problem by which banks by the highrisk credit policy are confronted, the main negative consequences of aggressive growth of commercial crediting in Russia are considered. In this article an attempt to open the main reasons for growth of the high-risk crediting is made. The author focuses the main attention to the most important source of fears of bankers and to the big state problem ? the increasing volume of the credit overdue payments and the poor quality of a credit portfolio. By means of reasoning and results of researches, the author concludes that now banks need to pay special attention to improvement of the mechanism of ensuring payment of the bank loans.