BANK LENDING IN CONDITIONS OF GLOBAL FINANCIAL INSTABILITY: THE CASE OF KAZAKHSTAN

Purpose of the study. The purpose of the scientific article is to consider the importance and features of the application of the main technologies of the lending process in domestic second-tier banks in the conditions of instability and uncertainty of modern world financial and economic relations.

Methodology. In the course of the study, general scientific methods, literature review, analysis, synthesis, deduction, classification, systematic approaches are used.

Originality / value of the study. The banking system of the Republic of Kazakhstan, according to European and international experts, is recognized as the most developed banking system among the CIS countries. Indeed, in recent years, strong changes have been observed in the banking system of the Republic of Kazakhstan; international standards have been introduced into the banking system, such important institutions as mandatory guarantee reserves for deposits and mortgage lending have been created; Otbasy Bank; processing center; credit bureau services have been organized.

This article discusses the features of the technology of the bank lending process, which allows us to improve banking services in all areas, providing the most convenient and attractive services for customers through modern lending technology.

Results of the study. The directions of application of technological mechanisms of the lending process, which allow us to speed up the provision of banking services, simultaneously serve several clients, and achieve high efficiency, were considered.

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