Abstract
The article examines the specifics of the conditions for issuing loans, the procedure for checking the creditworthiness of the borrower, the issues of securing a loan and other nuances related to bank lending. The paper identifies the prospects and problems of the development of bank lending to individuals and legal entities, such as the reduction of bank liquidity, the significant impact of technological changes, the improvement of state support, which can contribute to the development of bank lending in Russia. The author defined the role of bank lending in Russia and studied the issues of state support, including surety programs for loans for small and medium-sized businesses, alternative forms of financing, etc.
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