Differential approach to examination collaterization for commercial lending commercial bank

The article discusses the mechanism of mortgage banking system of Russia, laying out principles and suggests approaches to the formation of a rational system of collateralized commercial banks for their stable operation while minimizing the operating cost of the system. The author carries out a comparative analysis of conventional, «narrowly expert» approach to working with collateral and the proposed system based on the ideology of «managerial» control operation Secured bank.