Grishina E.A.Saratov Socio-Economic Institute, Branch of Plekhanov Russian University of Economics, Saratov, Russian Federation Gea555@mail.ru
Importance In today's Russia, one of the most urgent issues is a detailed study of the role and place of credit services in the operations of commercial banks, reasons for emergence and development of new services and their impact on profitability and liquidity of banks. Objectives The purpose of the paper is to analyze the market of credit services of commercial banks and identify development trends in this segment. Methods The dialectical method of research and systems approach form the methodological basis of the paper. I also employ scientific abstraction, grouping, and comparing, statistical and financial analysis. Results I analyzed credit services in two major groups of borrowers, i.e. individuals and legal entities, the issue of bank cards over the recent 5 years, the volume of issued mortgage and cash loans, and changes in loans granted to legal entities and individuals. On the basis of the obtained results, I highlight major development trends in credit services provided by commercial banks to their customers. Conclusions and Relevance There is a slowdown in the volume of loans issued by commercial banks due to default risk minimization on the one hand, and a reduction in household incomes and increase in unemployment on the other hand. Banks provide favorable credit facilities to support borrowers in difficult financial situation (for instance, mortgage and car loan programs).
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