Assessment of the current state of the credit market in the Republic of Kazakhstan

In the current economic development model of our country, particular importance is paid to the banking sector as an important factor in the growth of the country's economic potential, which provides market entities with credit resources. Despite the fact that in Kazakhstan the financial market as a whole is actively supported by the state, in recent years there has been a tendency to reduce lending to individuals and legal entities. This article discusses the current state of the credit market, evaluates the activities of second-tier banks in providing the Kazakhstan economy with credit resources. In order to use capital effectively and increase the stability and reliability of the bank, the bank's credit risk management policy should focus on ensuring an acceptable level of credit risk for the bank as a whole, with a certain return on its loan operations. The credit policy in recent years had been evaluated by authors and also analyzed the structure and dynamics of loans issued. The dynamics of a number of key indicators, such as quality of the loan portfolio and security of loans issued, dynamics of repayment of loans issued, monitoring of overdue loans are considered. The article reflects the statistical data for recent years on loans issued by Kazakhstan's second-tier banks to the economy , on the basis of which the reasons for the decline in lending volumes for certain market segments are determined. Based on the identified problems, recommendations for managing credit risk in second-tier banks are proposed.

кредитный риск, банк, объем кредитования, ссудный портфель, финансовый рынок, просроченная задолженность, провизии, мониторинг, credit risk, bank, credit volume, loan portfolio, financial market, overdue debt, provisions, monitoring, несиелік тәуекел, банк, кредит беру көлемі, несие портфелі, қаржы нарығы, мерзімі өткен берешек, провизиялар, мониторинг

1. Текущее состояние банковского сектора по состоянию на 1 января 2019 года: статистический сборник Национального банка Республики Казахстан. 2019. - 20 с.: https://nationalbank.kz/cont.

2. Fitch-2019: о кризисе плохих активов: https://kz.expert/ru/materials/analitika/1429_fitch_2019_o_krizise_plohih_aktivov.