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<article article-type="research-article" dtd-version="1.3" xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xml:lang="ru"><front><journal-meta><journal-id journal-id-type="publisher-id">business</journal-id><journal-title-group><journal-title xml:lang="ru">Путеводитель предпринимателя</journal-title><trans-title-group xml:lang="en"><trans-title>Entrepreneur’s Guide</trans-title></trans-title-group></journal-title-group><issn pub-type="ppub">2073-9885</issn><issn pub-type="epub">2687-136X</issn><publisher><publisher-name>JSC “Publishing Agency “Science and Education”</publisher-name></publisher></journal-meta><article-meta><article-id custom-type="elpub" pub-id-type="custom">business-723</article-id><article-categories><subj-group subj-group-type="heading"><subject>Research Article</subject></subj-group><subj-group subj-group-type="section-heading" xml:lang="ru"><subject>Статьи</subject></subj-group></article-categories><title-group><article-title>Особенности управления кредитным риском коммерческих банков в России в условиях финансовой нестабильности</article-title><trans-title-group xml:lang="en"><trans-title>Features of the credit risk management of commercial banks in Russia in terms of financial instability</trans-title></trans-title-group></title-group><contrib-group><contrib contrib-type="author" corresp="yes"><name-alternatives><name name-style="eastern" xml:lang="ru"><surname>Гладкова</surname><given-names>В. Е.</given-names></name></name-alternatives><email xlink:type="simple">noemail@neicon.ru</email><xref ref-type="aff" rid="aff-1"/></contrib></contrib-group><aff xml:lang="ru" id="aff-1"><institution>Институт государственного управления, права и инновационных технологий</institution><country>Russian Federation</country></aff><pub-date pub-type="collection"><year>2012</year></pub-date><pub-date pub-type="epub"><day>29</day><month>01</month><year>2020</year></pub-date><volume>0</volume><issue>15</issue><fpage>108</fpage><lpage>117</lpage><permissions><copyright-statement>Copyright &amp;#x00A9; Гладкова В.Е., 2020</copyright-statement><copyright-year>2020</copyright-year><copyright-holder xml:lang="ru">Гладкова В.Е.</copyright-holder><copyright-holder xml:lang="en">Гладкова В.Е.</copyright-holder><license xml:lang="ru" license-type="creative-commons-attribution" xlink:href="https://creativecommons.org/licenses/by/4.0/" xlink:type="simple"><license-p>Данная работа распространяется под лицензией Creative Commons Attribution 4.0.</license-p></license><license xml:lang="en" license-type="creative-commons-attribution" xlink:href="https://creativecommons.org/licenses/by/4.0/" xlink:type="simple"><license-p>This work is licensed under a Creative Commons Attribution 4.0 License.</license-p></license></permissions><self-uri xlink:href="https://www.pp-mag.ru/jour/article/view/723">https://www.pp-mag.ru/jour/article/view/723</self-uri><abstract><p>Глобальный финансово-экономический кризис показал наличие определенных проблем российской банковской системы, являющихся препятствием для успешного развития кредитного бизнеса. Неэффективное управление кредитным риском в условиях финансовой нестабильности одна из основных проблем российских коммерческих банков.</p></abstract><trans-abstract xml:lang="en"><p>The global financial crisis has shown the existence of certain problems of the Russian banking system, which are an obstacle to the successful development of the credit business. Ineffective management of credit risk of financial instability is one of the main problems of Russian commercial banks.</p></trans-abstract><kwd-group xml:lang="ru"><kwd>глобальный финансовый кризис</kwd><kwd>кредитный бизнес</kwd><kwd>управление кредитным риском</kwd></kwd-group><kwd-group xml:lang="en"><kwd>the global financial crisis</kwd><kwd>the credit business</kwd><kwd>management of credit risk</kwd></kwd-group></article-meta></front><back><ref-list><title>References</title><ref id="cit1"><label>1</label><citation-alternatives><mixed-citation xml:lang="ru">Соколинская Н. Э. 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