Banks evaluate a very negative perspective of developments in the world economy. Therefore, in the first quarter limited the provision of credit, and not only companies but also individual customers. In the second quarter of the situation remains unchanged. There are still very hard to obtain financing. That's not all, loans are becoming more expensive. Almost half of the banks decided to reduce the granting of loans under the influence of the increasing risk in the various industries - is written in the report. Most financial institutions listed as the most risky industries development, construction and furniture industries, and firms dependent on exports: automotive, chemical, metallurgical and transportation. It is the companies operating in these market segments is the most difficult to obtain financing. Individuals are not treated by the financial institutions ulgowo. More than half of them were raised in particular the conditions for granting housing loans - jumped to top margins, increased requirements for security. One third of banks believes that it is not over and the following restrictions will be introduced this quarter. It is more difficult to obtain a consumer credit, or cash. Bankina provide proof of his only constant, good customers. Half the grant, it introduced a restriction on the allocation of such funding - increased margins, a further commissions, reduced the maximum amount of money lent. Banks to explain the fact that an increasing number of consumer credit is unpaid. I do not intend to ease in coming months, the principles of their award.