The use of new marketing technologies advancement lending products on the market and their significance for improving the financial performance of the bank

The relevance of the study. Consumer lending is currently the most popular program in the vast majority of banking organizations of the Russian Federation. It presents a multitude of variations and can be implemented under different conditions. For those who are going to apply for a consumer loan, types of this service is extremely important. Because of different amounts and purposes has different interest rates. Loan terms also vary. Today, this kind of program can be arranged in a wide range of interest rates: from 12 to 70%. Rapidly changing user needs make providers of banking services to expand the range of services, to seek new solutions increasing the incomes corresponding to the demands of each customer. When it comes to improving the work of the Bank, is necessary, primarily to ensure the competitiveness of the offered services on credit and to compare the real incomes of the population. The Bank needs a more thorough approach to the analysis of the creditworthiness of the customer, control over target use of the loan, the proper execution of loan collateral, etc. It should be noted that in the current situation of the development of the country there are a number of problems contributing to the condition of the Bank as a whole and in particular its lending operations to individuals. Their solutions need to develop a more efficient legislative, regulatory and methodological framework being developed by the Bank and by the Central Bank.