Corporate loan. Impact of corporate lending on the national economy

The scientific article is devoted to the research analysis of the features of the current stage of development of the corporate lending market in the Russian Federation and the impact of its trends on the macroeconomic environment of the national economic system. The relevance of scientific research on the selected problem is due to the fact that corporate lending to legal entities (enterprises) is one of the main directions of lending activities of commercial banks in the country, which are a backbone element of the national financial system. In addition, for business entities in Russia, corporate lending is the most popular and affordable source of financial support for the functioning of business processes and operational activities. The article considers the theoretical essence and characteristics of the concept of “corporate credit”. The practical role of corporate lending is analyzed. The main trends in the development of the commercial lending market in the banking system of Russia are considered. Highlighted the actual problems of corporate lending to domestic enterprises. The main methods and tools of the credit risk management system that are used in the practice of Russian commercial banks to ensure the financial stability of the loan portfolio are considered. In the conclusion of the article, the author found that the practical role of corporate lending in the formation of the macroeconomic stability of the Russian Federation is extremely important, since thanks to commercial loans issued to legal entities, the strategic development of domestic business, scaling of production activities and financial support of the operating cycle of organizations is ensured.