Modern points of view on the natural person problem loans management system construction in the commercial banks

The article is connected with the scoring penalties (collection scoring) actual problem. This problem study popularity is provided by a number of reasons. At first, it happened in Russia for the reason of recent decade credit market, especially the retail sector, intensive development. Objectively, the increasing lending volumes leads to the credit risk increasing. The credit risks are connected with all the banking system in the country, especially with the credit and financial institutions. Therefore, the credit risk management in the retail sector quality is one of the most important factors of competitiveness of the bank. The well adjusting scoring model as one of the instrument of borrower credit risks level minimization, becomes the leading element in a banking business system, objectively, it leads to this phenomenon science researching necessity. This very fact, its actuality and value had determined the subject choice. The authors offered the scoring penalties system main elements.