The credit policy of a commercial bank is the basis for successful activity in the financial market.

The credit policy of a commercial bank is an internal document of the bank, with the help of which the main approach to lending and the demand for a borrower is determined, taking into account the prevailing current economic situation. The credit policy of commercial banks is able to express the philosophy (the usual approach, the concept) of banks' credit work, to establish the strategic basis of this activity. To solve this problem, any commercial bank that conducts lending activities has a certain procedure for issuing credit funds.

Politics is a general guide to action in the work of credit services of banks. The credit policy of a commercial bank also has such tasks as, on the one hand, to minimize unavoidable commercial risks, and, on the other, to maintain the widest possible niche of potential consumers of the loan product.

The credit policy of a commercial bank also has the main objective - it lends highly the liabilities (as well as attracted deposits and deposits) of the bank to a loan product and at the same time maintains a certain level of quality of loan portfolios of banks. The quality of loan portfolios is influenced, in the first place, by overdue loans and other bad debts. Overdue is a debt that was not repaid in time, and the borrower's obligation on the loan was not fulfilled. Problem debt is debt that has direct or indirect signs of a problem during loan servicing by borrowers and timely fulfillment of borrowers' obligations to creditor banks. A high-quality loan is a secured loan, which is canceled on time, without causing problems and difficulties for the borrower.

In addition, banks must maintain reasonable balances between income and risk. It is the development and observance of credit policy that banks seek to minimize the risk by obtaining the maximum allowable income of operations during this period. The credit risk of a commercial bank becomes minimal with such actions. The senior management of the bank (director or board of the bank) accepts the credit policy, with the help of this document the authority is delegated to each executor - the employee of the credit unit. Naturally, the credit policy of commercial banks delineates the decision-making, the authority to conduct a certain action, an operation. The credit policy of the commercial bank develops a unified approach to the lending operation, especially if there is a branch network with the credit company. In this way the approach is established, the general principle of lending to clients of commercial banks is determined, the type of credit granted, the authority of any level of the bank for the adoption of each issue, and the operational detail of the credit procedure are determined. The requirement for this policy of banks is the conformity of credit policy to current market situations. To support the credit policy of a commercial bank, it is necessary to constantly analyze and, if necessary, refine those postulates on the basis of which it is conducted. The credit organization revises the policy , as usual, at least once a year. In the economic situation, which often changes, credit policy is revised even more often. Who, like non-credit workers, face a different, often non-standard, case with the client every day, sees a "subtle" place of politics and can make a rational proposal to correct it. The bank is trying to take into account the modern life of the credit strategy as close as possible to realities. It is necessary to take into account that the credit policy of banks does not contradict the current laws of the state, as well as general economic development.