In this article, the elimination of administrative approaches to the assessment of credit collateral of banks and the strengthening of mutual competition between these assessment organizations and the truthful and reasonable assessment of collateral, the sale of property taken as credit collateral in the necessary cases, the bank the problems related to the involvement of highly qualified and experienced evaluators in the assessment of the collateral for the provision of loans, the improvement of the organizational and legal framework for the assessment of the provision of bank loans are highlighted.