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The article is devoted at analyzing the state of the Russian banking market in the context of groups of borrowers. The main reasons for changes of dynamics of lending process were identified in the present research. This study also determines features and development trends of modern credit products offered by Russian banks.doi:10.25688/2312-6647.2018.18.4.4 fatcat:6q3aqtsjg5cpjjp7ysh66urtpy