Analysis of Commercial Bank Lending Practices in the Process of Transformation

This article provides a scientific analysis of the specific features of commercial banks’ lending practices during the transformation process. It examines the impact of reforms aimed at digitalization, increasing capitalization, improving risk management, and diversifying credit portfolios on lending mechanisms. The study also presents scientific and practical recommendations for reducing credit risks, increasing the efficiency of credit resource utilization, enhancing transparency, and introducing modern lending products based on international best practices.