With the formation of the market environment, industrial decline and agricultural production much attention in the organizational and economic restructuring is given to commercial banks and banking system as a whole. Leading role in solving the major problems belongs the credit relations and banks, due not only to increase their role in economic development, but also the existing ability to quickly and efficiently respond to new economic mechanisms, so the relevance of the topic is obvious. At the same time one of the problems of the banking system as a whole is quite high risk lending. Firstly, the theoretical shortcomings the protection of interests of creditors of the credit risk, and secondly, poor financial condition of most business entities, Third, low staff training bank personnel and so on. Analyzing the situation in the banking sector, we can conclude that banks face financial ruin due to the extremely credit risk policies.