TABLE OF CONTENTS

ВВЕДЕНИЕ…………………………………………………………………………... 4

CHAPTER 1. ORGANIZATION - THEORY

Based on bank lending to individuals ............. 6

1.1. Essence, types and characteristics

bank lending ........................ ...... 6

1.2. Legal base lending ........................ ... 17

1.3. Organizational basis for lending

commercial banks .......................................... ... ....... ... 22

CHAPTER 2. ANALYSIS OF LOAN FOR INDIVIDUALS

In the branches of "Omsk" JSC "OTP Bank" ........................ ............ ... ... 31

2.1. Economic characteristics

branch "Omsk" JSC "OTP Bank" .......................................... 31

2.2. The organization works on lending

in the branch of "Omsk" JSC "OTP Bank" ........................ ... ............ ... 40

2.3. An analysis of the loan portfolio for individuals

in the branch of "Omsk" JSC "OTP Bank" .............................. ... ... ....... 43

2.4. Credit rating of individuals

in the branch of "Omsk" JSC "OTP Bank" ........ ................................. 56

CHAPTER 3.Vozmozhnost IMPROVEMENT

Lending to individuals in commercial banks ...... .. 64

3.1. Improving the problems of bank lending

for individuals ............................................................... .... 64

3.2. The main ways of improving the operation of credit

with individuals and their effectiveness ..................................... 69

CONCLUSION .............................................................................. .. 72

REFERENCES ............................................. .. ... ..... 76

APPLICATIONS .. ......................................................................... ... .. 80

Introduction Finally, 24 analytical tables, 3 figures, 8 applications. Slides. Report.