Öz It was made analysis of the formation of banking and non-bank financial system lending in total disruption of the planned economy; shifting it to a market economy since Kyrgyzstan gained sovereignty, the establishment of a national currency, the development of private property, the formation of two-bin banking system (end of 80 to 2005). Reflected the process of stabilization and development of the institutional lending system of the country in subsequent years (until 2012) with the overcoming of the bankruptcy of several banks, the political crises in the country (the revolutions of 2005 and 2010), with the elimination of their consequences, and development in the post crisis periods. It was shown the role of international financial organizations in the formation and development of credit relations, lending institutions, organizations of modern technology, management and improvement of institutional lending options and competition between lending institutions.