Effektivnaya deyatel"nost" kommercheskikh bankov v usloviyakh rastushchey konkurentsii nevozmozhna bez sistemnogo resheniya zadach optimizatsii protsessov kreditovaniya fizicheskikh i yuridicheskikh lits. Ratsional"naya organizatsiya kreditnogo protsessa, obespechenie vozvratnosti kreditnykh resursov, minimizatsiya kreditnogo riska, v tom chisle za schet snizheniya riska imushchestvennogo obespecheniya po kreditam, yavlyayutsya elementami optimizatsii kreditnogo protsessa kommercheskogo banka. V nastoyashchee vremya sushchestvuet problema, resheniyu kotoroy neobkhodimo udelit" osoboe vnimanie: rost prosrochennoy zadolzhennosti po kreditam. Obshchaya stoimost" prosrochennykh kreditov sostavlyaet v kreditnykh organizatsiyakh Ivanovskoy oblasti 3,6 mlrd. rubley. Uroven" prosrochennoy zadolzhennosti v kreditnom portfele kommercheskikh bankov Ivanovskoy oblasti sostavlyaet 9% pri srednerossiyskom urovne v 5-6% . V takoy situatsii kreditnym organizatsiyam prikhoditsya sozdavat" znachitel"nye rezervy dlya raboty s problemnymi kreditami, a eto napryamuyu vliyaet na rentabel"nost".