Innovative transformations in interaction of banks and borrowers

A. M. Smulov (), A. V. Shalangovsky () and V. E. Gladkova ()

Scientific notes of the Russian academy of entrepreneurship, vol. 16, issue 1

Abstract: The article identified and analyzed the key issues in lending. Determined that the existing extensive form of lending is not sustainable in conditions of instability and crisis. The rating system, ranked by significance test of factors influencing the motives of individuals and legal entities from credit institutions in the areas of savings and lending; the technique of forming a balanced interest rate policy of the commercial Bank, given the characteristics of initiated credit.

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