Importance Due to the crisis developments in the Russian economy and the banking sector, it is particularly important to take urgent measures to preserve the stability and sustainability of commercial banks as elements of the banking system. Such measures include but not limited to the new models of business organization of credit organizations. Their implementation would minimize the risks of banking operations. Objectives The aim of the study is to attract attention of the banking community to the new credit process already proven by the largest banks. The objectives include the demonstration of the new concept of lending to the real sector, based on the disclosure of its principles and elements. Methods I used the analysis and synthesis of information about the current credit cycle in a commercial bank. Results Based on the analysis, I developed a model of a new credit process aimed at reducing the risks of lending to corporate borrowers operating in the medium-sized and large business segment. I propose the elements of building a new credit process that mitigates the risk of loan default. Conclusions and Relevance The creation of a unique, carefully calibrated, with the elements of automation, process of lending to medium-sized and large businesses will reduce the risks inherent in lending and maintain the sustainability of a particular bank, and the stability of the entire banking system.
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