Using the critical model of volatile equilibrium, which solves the problem of introducing macroeconomic variables - finance and money - into the standard, model of general equilibrium, it was previously shown that under certain conditions, all enterprises periodically find themselves exactly on the edge of bankruptcy (or overcome it). At the same time, for the sake of brevity, we considered that loans are issued by a bank with an absolutely elastic supply (for example, the state Treasury), so, we did not take into account the ability to issue loans that are limited in terms of reservation requirements and, most importantly, variable over time, taking into account variations in asset quality in different phases of the business cycle: in the low phase of the business cycle, the management of enterprises is ready to take loans at almost any interest rate, and banks are extremely limited in the legally permitted volume of lending, which, without proper regulation, must generate and practically generates a blow up of interest rates.