Importance The problems of the Russian Federation population debt load began deteriorating the quality indicators of the retail portfolios of the national banking sector organizations more evidently. The economic significance of decrease in level of debt arrears on retail credits for commercial banks' development and formation of a national banking system defined the main objective of the article and relevance of the questions considered in it. Objectives The article provides an analysis of the dynamics of volume and annual rate of an increase of payment delay on credits to the country's population for an intermediate quarter dates for the period of 2008-2014. We consider the structure of overdue portfolios and determine the main reasons for emergence of the citizens' debts to banks. We proposed an approach to segmentation of debts and factors, which need to be used as indicators in the course of support and service of a credit portfolio. Methods We demonstrated the tools used by the advanced banks for the similar segmentation - methods of statistical modeling (multidimensional polynomial regression, a logit model and the Monte-Carlo method) and mathematical modeling (simplified structurally functional models, imitating models). We used the results of the Russian scientists' findings in the field of credit risks management. The methodological basis of research was made by a system approach, the comparative analysis and the economic and statistical analysis methods. Results On the basis of analysis, we have concluded the need of development of proprietary tools and technologies of collecting directed on identification of early problem debt and to prevent payment delay. Conclusions and Relevance We came to a conclusion that the banks need to concentrate on development of proprietary tools and technologies of collecting directed on the identification of early problem of debt and prevention of debt arrears formation. That is possible only under the condition of monetary funds investment in the analytical and technological tools.
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