ფინანსური ინსტიტუტების თანამედროვე საკრედიტო პროდუქტები

The proper functioning of a market economy is inconceivable without banking institutions. Allocation of monetary resources amongst economic entities, to provide financial resources for reproduction, to carry out investment activities, to improve the living conditions of the population and to make other financial transactions, it is significant to develop appropriate credit products and deliver them to credit institution customers. The developed credit product should be of double benefit: one, the benefit should be used by the credit institution itself and the second should serve the purposes of the borrower. The history of the development of credit institutions contains information on the creation of many types of products and the benefits derived from them. Each of them is characterized by both advantages and disadvantages. Evaluation of existing products was used as a guide when creating new products. The master's thesis deals with the formation of credit products on the historical path taken by credit institutions, in parallel with which their impact on the country's economy is considered and the feasibility of creating new products is substantiated. Based on the conducted research, proposals have been formulated, the consideration of which will also be the basis for the implementation and use of innovations in the credit system in the future.