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APPLICATION OF CASH RECYCLING TECHNOLOGY TO OPTIMIZE THE CREDIT POLICY OF A COMMERCIAL BANK FOR IMPROVING WELFARE OF THE RURAL POPULATION

The article reveals and analyzes the advantages of ATMs with the function of cash recycling to improve welfare of the rural population. The bank's credit policy is based on the basis for the entire lending process, which determines its objective parameters and features. Its main goal is to maximize profits while minimizing potential risks. In the world market, the use of recycling technology in the banking sector remains in demand. Its use ensures constant availability of banknotes in the ATM, and this allows ATM to work for a long time without stopping for cash-in-transit services, which is a significant advantage for users. At present, the technology of cash recycling is a promising direction in the field of self-service banking and has a huge potential for its development. Due to the increase in the number of such devices,banking services are becoming available to potential consumers. The credit policy of a commercial bank in this direction provides an opportunity to attract a larger number of clients, at relatively low operating costs. ATMs with a cash recycling function are widely used in European countries, Japan, South Korea, and the United States. In Russia, such first ATMs appeared about 15 years ago, but due to their high cost, not every financial institution can use them in their work. The demand for ATMs with cash recycling is growing steadily around the world. Now, when it has become clear that ATMs with recycling function can reduce the costs of cash-in-transit serices, many banks when buying terminals include recycling in the list of basic functional requirements for new equipment. These technologies will allow financial organizations to save time on equipment maintenance and optimize costs.