Introduction. In the post-crisis period, there are stagnant and sometimes disturbing developments in the global economy. There is crisis in some euro zone countries and the debt problems in the US, as well as the slowdown in economic growth in China and Russia. Despite this faster pace continues credit issue in the Russian economy, which supports a high level of consumer demand So is the actual analysis of observed contradictions, as well as methodological categories relating to credit operations of Russian banks. Theoretical analysis. The basic contradiction of the moment is in the observed gap between the growth in credit activity and the pace of development of domestic production, which requires action on the approximation of the rate by moving to a more loose monetary policy. Results. Results of the studies were the findings that a new credit policy and a new perspective on the concept of the principle of the loan. In terms of resolution of economic contradictions important detail to consider stimulating lending to domestic business.