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.