Assessment of the economic security of the credit sector using the ratio of credit organizations’ assets to GDP

In the modern economy, the activity of the financial sector, in particular credit institutions, has a stable relationship with the state of economic security of an individual state, therefore, the topic of studying the thresholds for the activity of credit institutions is relevant. The work uses methods of analysis and synthesis as part of studying statistical data from reliable sources, such as data from the Bank of Russia and other sources, as well as the historical method for the theoretical part of the study. To analyze the possibilities of using the indicator of the ratio of assets of credit institutions, including in the form of issued loans, the method of comparing statistical data of four countries is used: Russia, the USA, China and Germany. The aim of the study is to analyze the possibility of using the ratio of credit organizations’ assets to GDP as an indicator of economic security of the credit sector. One of the conclusions is the need to use the selected indicator as a threshold value exclusively in conjunction with the analysis of current conditions in the economy and the financial sector, that is, the inadmissibility of abstracting from the economic situation when interpreting the output of the indicator value beyond the established acceptable interval.