<?xml version="1.0" encoding="UTF-8"?> <!DOCTYPE book PUBLIC "-//NLM//DTD BITS Book Interchange DTD v2.3 20210610//EN" "BITS-book2.3.dtd"> <book xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:mml="http://www.w3.org/1998/Math/MathML" book-type="conference-proceedings" dtd-version="2.3" xml:lang="ru"> <front> <book-meta>  <book-id book-id-type="isbn">978-5-6041863-3-6</book-id>   <book-id pub-id-type="doi">10.21661/a-580</book-id>   <title-group>  <book-title xml:lang="ru">Научные исследования и современное образование</book-title>   <trans-title-group xml:lang="en"> <trans-title>Scientific studies and modern education</trans-title> </trans-title-group>  </title-group>  <description xml:lang="ru"> <p>В сборнике представлены статьи участников IV Международной научно–практической конференции, посвященные актуальным вопросам науки и образования. В материалах сборника приведены результаты теоретических и прикладных изысканий представителей научного и образовательного сообщества в данной области.</p> </description>   <contrib-group>  <contrib contrib-type="editor" id="editor1">  <contrib-id contrib-id-type="role">chief_editor</contrib-id>    <name-alternatives>  <name name-style="eastern" xml:lang="ru"> <surname>Широков</surname> <given-names>Олег Николаевич</given-names> </name>   <name name-style="western" xml:lang="en"> <surname>Shirokov</surname> <given-names>Oleg Nikolaevich</given-names> </name>  </name-alternatives>   <email xlink:type="simple">425954@rambler.ru</email> </contrib>  <contrib contrib-type="editor" id="editor2">    <name-alternatives>  <name name-style="eastern" xml:lang="ru"> <surname>Абрамова</surname> <given-names>Людмила Алексеевна</given-names> </name>   <name name-style="western" xml:lang="en"> <surname>Abramova</surname> <given-names>Lyudmila Alexeevna</given-names> </name>  </name-alternatives>   <email xlink:type="simple">labramova@interactive-plus.ru</email> </contrib>  <contrib contrib-type="editor" id="editor3">  <contrib-id contrib-id-type="role">executive_editor</contrib-id>    <name-alternatives>  <name name-style="eastern" xml:lang="ru"> <surname>Яковлева</surname> <given-names>Татьяна Валериановна</given-names> </name>   <name name-style="western" xml:lang="en"> <surname>Yakovleva</surname> <given-names>Tatyana Valerianovna</given-names> </name>  </name-alternatives>   <email xlink:type="simple">info@interactive-plus.ru</email> </contrib>  <contrib contrib-type="editor" id="editor4">  <contrib-id contrib-id-type="role">associate_editor</contrib-id>    <name-alternatives>  <name name-style="eastern" xml:lang="ru"> <surname>Максимова</surname> <given-names>Савнеби Юрьевна</given-names> </name>   </name-alternatives>   <email xlink:type="simple">smaksimova@interactive-plus.ru</email> </contrib>  </contrib-group>   <contrib-group>  <contrib contrib-type="member-of-organizing-committee" id="orgcomm1">  <contrib-id contrib-id-type="role">chief_editor</contrib-id>    <name-alternatives>  <name name-style="eastern" xml:lang="ru"> <surname>Широков</surname> <given-names>Олег Николаевич</given-names> </name>   <name name-style="western" xml:lang="en"> <surname>Shirokov</surname> <given-names>Oleg Nikolaevich</given-names> </name>  </name-alternatives>   </contrib>  <contrib contrib-type="member-of-organizing-committee" id="orgcomm2">    <name-alternatives>  <name name-style="eastern" xml:lang="ru"> <surname>Абрамова</surname> <given-names>Людмила Алексеевна</given-names> </name>   <name name-style="western" xml:lang="en"> <surname>Abramova</surname> <given-names>Lyudmila Alexeevna</given-names> </name>  </name-alternatives>   </contrib>  <contrib contrib-type="member-of-organizing-committee" id="orgcomm3">    <name-alternatives>  <name name-style="eastern" xml:lang="ru"> <surname>Бекназаров</surname> <given-names>Рахым Агибаевич</given-names> </name>   <name name-style="western" xml:lang="en"> <surname>Beknazarov</surname> <given-names>Rahym Agibaevich</given-names> </name>  </name-alternatives>   </contrib>  <contrib contrib-type="member-of-organizing-committee" id="orgcomm4">    <name-alternatives>  <name name-style="eastern" xml:lang="ru"> <surname>Дадян</surname> <given-names>Эдуард Григорьевич</given-names> </name>   <name name-style="western" xml:lang="en"> <surname>Dadyan</surname> <given-names>Eduard Grigorievich</given-names> </name>  </name-alternatives>   </contrib>  <contrib contrib-type="member-of-organizing-committee" id="orgcomm5">    <name-alternatives>  <name name-style="eastern" xml:lang="ru"> <surname>Дыканалиев</surname> <given-names>Калыбек Мукашевич</given-names> </name>   <name name-style="western" xml:lang="en"> <surname>Dykanaliev</surname> <given-names>Kalybek Mukashevich</given-names> </name>  </name-alternatives>   </contrib>  <contrib contrib-type="member-of-organizing-committee" id="orgcomm6">    <name-alternatives>  <name name-style="eastern" xml:lang="ru"> <surname>Мейманов</surname> <given-names>Бактыбек Каттоевич</given-names> </name>   <name name-style="western" xml:lang="en"> <surname>Meimanov</surname> <given-names>Baktybek Kattoevich</given-names> </name>  </name-alternatives>   </contrib>  <contrib contrib-type="member-of-organizing-committee" id="orgcomm7">    <name-alternatives>  <name name-style="eastern" xml:lang="ru"> <surname>Петкова</surname> <given-names>Искра Цанкова</given-names> </name>   <name name-style="western" xml:lang="en"> <surname>Petkova</surname> <given-names>Iskra Tsankova</given-names> </name>  </name-alternatives>   </contrib>  </contrib-group>   <event>  <event-desc xml:lang="ru">Научные исследования и современное образование</event-desc>   <event-desc xml:lang="en">Scientific studies and modern education</event-desc>   <conf-date> <day>01</day> <month>01</month> <year>1900</year> </conf-date>    <conf-loc xml:lang="ru">Чебоксары</conf-loc>  </event>   <publisher> <publisher-name>Центр научного сотрудничества «Интерактив плюс»</publisher-name> </publisher>    <pub-date pub-type="collection"> <year>2018</year> </pub-date>    <permissions> <copyright-statement>Copyright &#x00A9; Шмелева Л. С., 2018</copyright-statement> <copyright-year>2018</copyright-year> <license license-type="open-access" xlink:href="https://creativecommons.org/licenses/by/4.0/" xlink:type="simple"> <license-p>This work is licensed under a Creative Commons Attribution 4.0 License.</license-p> </license> </permissions>  </book-meta> <book-part book-part-type="conference-paper"> <book-part-meta>   <book-id custom-type="publisher-id" pub-id-type="custom">473871</book-id> <title-group>  <chapter-title xml:lang="ru">Проблемы управления кредитными портфелями российских коммерческих банков</chapter-title>   <trans-title-group xml:lang="en"> <trans-title>Problemy upravleniia kreditnymi portfeliami rossiiskikh kommercheskikh bankov</trans-title> </trans-title-group>  </title-group>  <contrib-group>   <contrib contrib-type="author" id="author1">   <name-alternatives>  <name name-style="eastern" xml:lang="ru"> <surname>Шмелева</surname> <given-names>Людмила Сергеевна</given-names> </name>   <name name-style="western" xml:lang="en"> <surname>Shmeleva</surname> <given-names>Liudmila Sergeevna</given-names> </name>   </name-alternatives>  <email xlink:type="simple">lyudmilashmeleva_94@mail.ru</email> <xref ref-type="aff" rid="aff1"/> </contrib>   <aff-alternatives id="aff1">   <aff xml:lang="ru">  <institution>ФГБОУ ВО «Ростовский государственный экономический университет (РИНХ)»</institution>   <country>Россия</country> </aff>    <aff xml:lang="en">  <institution>FSFEI of HE &quot;Rostov State University of Economics&quot;</institution>   <country>Russia</country> </aff>   </aff-alternatives>  </contrib-group>   <fpage>253</fpage> <lpage>256</lpage>   <abstract xml:lang="ru"> <p>в статье отражены основные проблемы в управлении кредитными портфелями. На основе выявленных проблем сделаны выводы и предложены решения, направленные на совершенствование кредитных портфелей российских коммерческих банков.</p> </abstract>      <trans-abstract xml:lang="en"> <p>The article reflects the main problems in the management of credit portfolios. Based on the identified problems, conclusions were drawn and solutions were proposed aimed at improving the loan portfolios of Russian commercial banks.</p> </trans-abstract>       <kwd-group xml:lang="ru">  <kwd>банк</kwd>  <kwd>кредит</kwd>  <kwd>кредитный портфель</kwd>  <kwd>управление кредитным портфелем</kwd>  <kwd>проблемы управления кредитным портфелем</kwd>  </kwd-group>    <kwd-group xml:lang="en">  <kwd>bank</kwd>  <kwd>loan</kwd>  <kwd>loan portfolio</kwd>  <kwd>credit portfolio management</kwd>  <kwd>problems of credit portfolio management</kwd>  </kwd-group>      </book-part-meta> </book-part> </front>  <back> <ref-list> <title>References</title>  <ref id="ref1"> <label>1</label> <citation-alternatives>  <mixed-citation xml:lang="ru">Бибикова Е.А. Кредитный портфель коммерческого банка: Учебное пособие / Е.А. Бибикова, С.Е. 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