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Credit relations are based on clear methodological foundations existing in the economy. Loan capital market operations, which are its main elements, are conducted on the basis of certain principles. These principles were highlighted at the first stage of the development of credit relations, and later they were clearly reflected in the national and international credit legislation. Credit as an economic category has several principles. These are the principles of loan repayment, loan maturity, loan security, targeting, and solvency. The principle we want to look at is the security of the loan. With the help of this principle, the connection between value and material production in the development of the economy of credit is ensured. The main essence of this principle is that each soum of bank funds participating in the economic cycle must be matched by a certain amount of material assets. Any loans granted by banks to economic sectors must be secured by full assets or certain costs