Proceedings of the International scientific and practical conference ―Current Issues in Science‖ (January 9-11, 2026) / Publisher website: www.naukainfo.com. – Dresden, Germany, 2026. – 179 p.

40 the first reading the draft Law of Ukraine № 14013 «On Credit History»). The main attention is paid to the analysis of the borrower's credit history, his financial condition and key performance indicators. Control over transactions for amounts exceeding UAH 400,000 is significantly increasing within the framework of financial monitoring. In addition, banks are actively optimizing loan portfolios and writing off problem loans, which helps to improve the overall quality of the loan portfolio. Therefore, an effective bank credit policy in modern conditions is critically important for ensuring the stability of a financial institution and reducing the risks of non-repayment of loans. It allows for a systematic assessment of the creditworthiness of borrowers, taking into account their financial condition, credit history and current economic conditions. Clear rules for granting loans contribute to the rational allocation of resources and prevent the concentration of risks in certain customer segments. Thanks to modern methods of analysis and monitoring, the bank can timely identify potentially problem loans and take measures to minimize losses. An effective credit policy also increases the trust of depositors and regulators, promotes the development of long-term relationships with customers and supports the competitiveness of the bank in the market. Taking into account changes in legislation and financial trends allows the bank to adapt its lending strategy to dynamic economic conditions. REFERENCES: 1. Vengluk, A., & Batrak, O. (2024) The impact of uncertainty on the credit policy of banks: theoretical analysis. Economy and Society. № 61. URL: https://doi.org/10.32782/2524-0072/2024-61-83 2. Balyant, G., Galitseiska, Yu.(2017) Theoretical and practical aspects of developing and implementing bank credit policy. Economy and Society. № 11. URL: https://economyandsociety.in.ua/journals/11_ukr/64.pdf