According to R. and B. Kotsovskoyi Rychakivska concept of "credit" came at a certain stage of human development as a historical phenomenon. Development banks and commodity production, circulation followed closely next i pereplitalys, ie the relationship between producers and creditor arose when the seller needed to sell the product, and the buyer is not have the money to buy it. Therefore there is a need, such as transfer of goods from the seller to the buyer deferred payment, that is - in credit. Banks thus formed as a Financial intermediaries attract capital, savings and other monetary remedies that vyvilnyuyutsya in the course of business activities, i give them temporary Becoming instytutsiyeyu financial redistribution cost, now Commercial banks can offer customers with up to 200 species of various banking products and services. However, it is available defined list of basic operations, without which the bank can not normally funktsionuvaty, such a credit activity. The structure of the active bank operations largest share with lending activities, maximal because of the bank's assets is invested with kredytni operations. Loans - the ratio between the creditor and debtor (Borrower) concerning the provision of (obtaining) the temporary use funds, their return and payment. Kredytni operations have priority source of bank profits, but in connection with an increase in recent years cases of default loans data operations are an increased threat to the stability and stability of the bank as a whole. An example in this respect may serve doli number of banks in Ukraine, which contributed to the collapse of risky credit policy.