Commercial banks play an important role in modern society. Their products are now in demand not only by businesses but also individuals who do not imagine the life without making all sorts of consumer loans. At the same time, commercial banks have placed a huge risk when lending to individuals and legal entities, while business in our country is not enough transparent. Bonds and check the creditworthiness of borrowers often do not meet the requirements of the Central Bank, because of what the future could increase defaults on loans.