EN
The rational management of credit risk constitutes the base for construction of the safe and credit portfolio of the bank. Principles of the credit risk management were established in legal documents for the Polish Financial Supervision Authority, of which the implementation to internal procedures is for the bank compulsory. A credit policy is a base of the credit risk management, in frames which priority directions of the credit share, adapted for appetite for the risk accepted by the supervisory board of the bank, are being established for. A system of internal limits, constituting the basic tool of the diversification of credit in many diameters is also an indispensable element of the structure of the secure credit portfolio. All these issues were discussed in the present article.