Bank credit may be direct or through an intermediary. Direct (Bank - borrower) credit relationships are more prevalent. Much narrower apply loan through an intermediary. Commercial bank, depending on the needs and opportunities of the borrower, and well as the interests of the Bank may provide loans for different conditions. Therefore, in practice, there exists a division for banking loans of various criteria of signs and to facilitate the monitoring and management of credit portfolio of the bank (Appendix A) [20]. The above classification is not exhaustive, so that you can credit classified and other parameters and features, but in fact this classification due to a large number of species criteria, and guaranteeing and provides evidence that a loan - it is difficult economic category, which should be treated very carefully. Therefore, banks work with their borrowers in the dense interaction of the application the loan until repayment of the loan and interest thereon. Banks cooperate only with financial stable companies that have continuous flow of funds to the account or with the businesses and organizations at this time, overcoming difficulties with future prospects of its development.