Appearing with the exchange in kind and knowing in its evolution numerous norms, the management of banking services through the prism of lending, plays an essential and signicant role in the national economy of the state. e very notion of «credit» is a more muted economic meaning that refers to credit relations in many areas of social life, including bank lending. Moreover, appreciating the special role of money and credit in the socio-economic development of mankind, three stages of evolution were outlined: the stage of the natural economy, in which individuals produced the goods necessary for their own existence or at most the family; the stage of the exchange economy, in which the exchange of goods is made by means of currency; respectively and the stage of the credit economy, in which goods are put into circulation against the promise to return the same value in the future. It is the last and most evolving stage of economic and nancial development of humanity, where lending operations play a key role in the exchange process.