- Reliability. The system must operate continuously and smoothly. - Optimality. Optimum control system characterized establishment between the elements of rational relations at all levels. - Cost. Cost includes obtaining the necessary result in minimum cost [23,26,55]. Credit risk management system not only allows banks ensure their profitability and efficiency lending, but Advancing the bank loan is its role in the circulation of money. Issued and defaulted loans during this period increased money supply in the country, contributing to inflation. Credit risk management system includes object entities software tools and subsystems (Table 1.1). Table 1.1 - System Credit Risk Management Elements of upravlinnyaHarakterystyka elementa12 Object - individual credit risk (the risk of a particular borrower); - Portfolio credit risk (the risk of the portfolio), Subjects General Meeting shareholders (participants), the board, the board; - Credit Committee,