The article discusses methods and tools for managing credit risk in banks. It explores how economic crises affect lending and the importance of managing credit risk. The authors define credit risk as the potential for financial losses due to borrowers not meeting their obligations. They analyze factors influencing credit risk in banks and suggest ways to minimize it. The study categorizes methods for managing credit risk at micro, macro, and meso levels. Recommendations include creating state guarantee funds, unifying laws, monitoring credit risk, and enhancing international financial cooperation.