This article discusses the issue of choosing the optimal competitive strategy in markets with perfect competition. In the context of the rapid development of digital technologies, more and more market segments are subject to commoditization, which leads, on the one hand, to an essential depersonalization of suppliers of goods, works and services, and on the other hand, to the choice made by the consumer solely on the basis of price criteria. Over the past two decades, there has been a market segment in the Russian economy that is inherently close to perfectly competitive markets – the sub-federal debt market of the Russian Federation. The structure of the subfederal debt market, formed by numerous suppliers (credit organizations) and consumers (constituent entities of the Federation), and transparent bidding mechanisms existing under the Russian antitrust laws, combined with the uniformity of the goods being traded (cash loan) make it possible to consider it a market with perfect competition. But, unlike the classical commodity market, credit market transactions are characterized by the duration of the active interaction of the creditor (supplier) and the debtor (consumer), since the loan is provided for a certain period, after which it must be repaid with payment of all interest due. Thus, the behavior of the creditor bank is determined not only by the market situation at the time of the transaction, but also by the change in the state of the debtor during the loan period. With this in mind, the task of choosing the optimal market strategy becomes non-linear and can be solved using numerical methods of modeling the trading process.