Formation of Optimal Commercial Bank Loan Portfolio, Taking into Account the Share of Loans to Enterprises of the Agrarian Sector
Journal Title: Бізнес Інформ - Year 2014, Vol 6, Issue 0
Abstract
The article shows the problem of insufficient supply of credit resources in the agrarian sector of Ukraine. The importance of debt financing for development of the agrarian sector and uninterrupted agricultural production was substantiated. Based on the model of G. Markovits the optimal structure of the loan portfolio of the commercial bank was determined and the main factors influencing its formation were clarified. With the help of the analysis in the share of agricultural loans the generated optimal loan portfolio of commercial banks give reasons for restraining the increase in agricultural lending. The differences in the amount of the share of agricultural loans in the optimal loan portfolio with minimal risk and maximum profitability of the portfolio were examined. It was determined that one of the reasons for the low percentage of agricultural loans in the total loan portfolio of Ukrainian banks is significantly elevated risk of loan defaults agrarian enterprises, due to their specific activities.
Authors and Affiliations
Iuliia Babych
Keywords
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