The article is aimed at studying the dynamics of industry debt of industries in the domestic currency of the northwestern economic region of the Russian Federation in order to form an objective structure and dynamics of the distribution of overdue credit funds, taking the actions of the Central Bank of the Russian Federation into account. The trend analysis methodology has been highlighted and the author's approach for calculating the interest rate and deflator index has been created, which takes daily fluctuations in the key interest rate into account in order to determine the real cost of borrowed funds when calculating monthly indicators, and also methods of comparative and structural analysis of the following industries debt and individual indicators related to transaction costs and the impact of the financial regulator, the total amount of cash losses are applied: mineral extraction, manufacturing, production and distribution of electricity, gas and water, agriculture, hunting and forestry, construction, transport and communications, wholesale and retail trade; repair of motor vehicles, motorcycles, household goods and personal items, real estate operations, rent and service provision, other activities, for the completion of settlements. The need for implementing measures of state and social support to create prerequisites for the sustainable development of the region's economy through the optimization of monetary policy has been identified, considering the regional development of homogeneous productions and the formation of an optimal distribution of resources in the studied area.