<p>The methodological inadequacy of lending practices in commercial banks is the cause of a number of economic, financial and social problems. As banking practice shows, it is still important, to improve the quality of the loan portfolio and reduce the exposure to overdue loans. The article analyzes the increase in overdue loans that affect the quality of the credit portfolio of commercial banks, and also reveals the ways to improve their reduction based on the experience of banks. The classification of overdue credit debt management tools is also proposed, as well as practical suggestions for their elimination are given.</p>