Increase of availability of credits by decrease in an initial contribution by means of a credit risk insurance

The article deals with the analysis of credit risk insurance on the basis of function of utility of the insured is presented, and also the suitability of the conclusion of the insuarance contract of credit risk for the insurer-borrower and for the creditor is proved. In these circumstances the borrower can count on the credit with a smaller initial instalment as the risk of the nonredemption of the credit will be taken by the insuarance company.