Composition of macro-economic factors affecting the occurrence of credit risk and the importance of credit risk for the economy as a whole, show that the problem of credit risk beyond the activities of commercial banks. The State represented by the Central Bank acts on credit risk.
The main mechanisms of state regulation of credit risk are:
1. setting standards of credit risk;
2. standards for the organization and activities of the internal control and risk management;
3. regulatory requirements for quantitative methods of risk assessment;
4. regulatory requirements for the allowance for losses on loans, loan and similar debts;
5. disclosures about the financial condition and overall risk of the bank.
Indirect impact on the credit risk of the Central Bank has a credit risk economic norms that regulate the concentration of credit risk in individual borrowers.