Abstract
The article examines the credit policy of existing credit institutions registered in the Vologda region. The role of regional banks, which play an important role in the sustainable development of the region, is currently increasing in the Russian banking system. Such banks are an important element of the financial system of a particular region. They carry out their activities taking into account the specifics of the region’s economy and the needs of individuals and legal entities of this subject. The assessment of the quality of the loan portfolio allowed the authors to identify the features and problems in the formation of the credit policy of local banks. The authors of the article define the type of credit policy, show the possibilities of further development of credit policy in modern conditions in order to increase the efficiency of banking activities and ensure the reliability of banks in the economy of the region.
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