Improvement of existing lending standards, monitoring and control of credit risks in order to identify potential problems with the return of credits, and adoption of adequate solutions; balanced policy in the field of collateral, the improvement of existing regulations the decision-making procedures, risk assessment and management, creation of reserves under active operations. To reduce the credit risk of the system is used and conditions of lending by maturity, borrowers, welfare, interest rates and the ways (methods) of their charges, limitation, diversifying the loan portfolio, provisioning, monitoring and risk control. Monitoring of individual credit risk on the borrower - legal entity provides a preliminary assessment of the creditworthiness, financial analysis, assessment of internal and external environment, the analysis of market position, cash flow forecast, assess the reliability and credit history, as well as evaluating the liquidity support credit transactions. Bank assessment of risk factors on the basis of qualitative and quantitative indicators, according to the relevant interbank techniques for assessing the credit risk of short-and long-term loans. According to the analysis and evaluation of the category of credit operations, credit risk is compiled map of the borrower, which gives a full description of all possible risks of the borrower's business and represents a comprehensive assessment of the likelihood of default by the borrower commitments, as well as the risk of co-operation with Pravex Bank. Category: Financial Management