CURRENT STATE AND FUTURE TRENDS OF INDIVIDUAL BANKING SERVICES MARKET DEVELOPMENT
Individual banking services or retailing market is currently developing dynamically. It is supported by competitive reinforcement, foreign banks coming to the Russian market and private customers’ trust in the banking system increasing. The development of banking loans for individuals causes problems such as an increase in unpaid debts and credit risk danger reinforcement. To solve this problem they have to pass the federal law of individual banking loans and improve the principles of estimation of individuals’ credit capacity.