Formation of the market relations, political changes, aggravation of competitive fight in the market of banking services cause emergence in activity of domestic banking institutions of a big range of risks, first of all the credit. The problem of modern crediting of the agricultural enterprises is caused also by a condition of material base which is characterized by high wear and lack of own financial resources for reproduction of fixed assets. A problem here that in most cases the agrarian enterprises have no real opportunities to return the obtained credits and to pay percent on these credits. For dynamic development of bank crediting of the agrosphere providing repayment of the loan on condition of observance of the rights of creditors and borrowers is important. So there is a task in time to identify risks, to estimate scales of possible losses, to find methods of the prevention or sources of a covering of losses, providing sufficient profits and preservations of means of investors for maintenance of activity of banks and enterprises.