Find out about the situation when the potential consequences of the global financial crisis, which can have a negative impact on the national economy, other economic and political causes, both external and internal, impose the need to take additional measures to effectively manage of the credit risk of domestic banks, are guided by the principle of a credit policy with the maximum caution to granting the new loans, applying tougher criteria for selecting potential customers. Thus, its importance was felt especially when faced with the financial crisis, the bankers realized that maintaining the profitability of its credit portfolios is only possible through the implementation of an efficient and receptive credit policy to market trends.