BANK’S CREDIT POLICY IN CONDITIONS OF DIGITAL TECHNOLOGIES

Abstract

The article defines the essence and role of credit policy, substantiates the need for its improvement in current conditions. The basic principles and functions of credit policy are given. It is concluded that the basis of credit policy should be the main principles: reliability and profitability of funds and the principles of rational lending. The goals of credit policy and directions of its implementation are determined. The share of credit operations in the general structure of assets of domestic banks is estimated. It is noted that commercial banks' credit policy is an integral part of the strategy and tactics of the NBU and the government. Measures to improve the efficiency of commercial banks' current activities and improve their credit policy are proposed.