%0 Journal Article %T CREDIT POLICY AS A TOOL OF THE COMMERCIAL BANK %A ALIKAEVA, M.V. %A Oborin, M.S. %A SHINAKHOV, A.A. %K banking, credit policy, credit operations, the principles of formation, the elements of credit policy, scoring, IT-technologies %J Services in Russia and abroad %D 2017 %N 11 %P 15 %I Russian State University of Tourism and Service