Ways to assess the risk of lending to individuals in modern conditions of Russia

The article deals with the essential content of the category "risk" and its specification in the context of credit risk. The systematization of risks in the structure of banking operations carried out with individuals, as well as endogenous and exogenous factors affecting the occurrence of credit risks. In addition, the risks arising at the time of lending to individuals are identified, and the reasons for the need to isolate the risks of the credit process organization are revealed. Describes techniques to reduce risks when lending to individuals, analyzed the practical significance of each method. The types of insurance as one of the basic ways of assessing and leveling the risks of lending to individuals in the conditions of modern development of the Russian economy as a whole, and the financial market in particular. The directions of risk reduction, the appearance of which is possible when lending to individuals, are revealed.