2409-1634Research result. Economic Research2409-163410.18413/2409-1634-2018-4-4-0-101577FINANCETHE ASSESSMENT OF CREDIT RISKS IN COMMERCIAL BANKSTHE ASSESSMENT OF CREDIT RISKS IN COMMERCIAL BANKSShadrinaArina DmitrievnaShadrinaArina Dmitrievnamsshadrina@mail.ru20184400

This article discusses the theoretical basis of Bank risks. The credit risks of the banking sector are analyzed in more detail in order to determine the current trends in this area. The article notes that in modern conditions the problem of quality of loans issued by commercial banks is becoming increasingly important, since the implementation of risks in lending can lead to significant losses, and in some cases cause the Bank's bankruptcy. At the moment there is a tendency to increase the share of overdue debt in the banking sector of the Russian Federation. The banking sector in the modern world is one of the leading components of the financial system. For this reason, its stability and efficiency is one of the key conditions for the full and "healthy" development of the country's economy. A large share in the banking sector is occupied directly by commercial banks, the main purpose of which is to make a profit.

This article discusses the theoretical basis of Bank risks. The credit risks of the banking sector are analyzed in more detail in order to determine the current trends in this area. The article notes that in modern conditions the problem of quality of loans issued by commercial banks is becoming increasingly important, since the implementation of risks in lending can lead to significant losses, and in some cases cause the Bank's bankruptcy. At the moment there is a tendency to increase the share of overdue debt in the banking sector of the Russian Federation. The banking sector in the modern world is one of the leading components of the financial system. For this reason, its stability and efficiency is one of the key conditions for the full and "healthy" development of the country's economy. A large share in the banking sector is occupied directly by commercial banks, the main purpose of which is to make a profit.

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