ОЦІНКА ТА МІНІМІЗАЦІЯ СУКУПНОГО КРЕДИТНОГО РИЗИКУ
Journal Title: Економіка і управління - Year 2016, Vol 4, Issue 72
Abstract
n the article, the question of assessment of credit risks is considered, and provided are meth - ods of their effective management. It explains approaches to improve classification of credit risks in a system of commercial bank activity. Strengthening the stability of a banking system due to increase in effective management of credit scratches represents the singular relevance now for Ukraine when a large number of insol - vent banks are closed. The risk consists of the following hazards, the inability to determine boundaries of adverse, negative effects, threat of a possible loss, loss of resources, or loss of income in comparison to an option which is calculated on rational use of resources. The main objective of credit activity of a bank is the definition of an efficient ratio between degree of risk and profitability of each separate credit operation thanks to the modern instruments of management of credit risk. The article gives details of two types of techniques – external and internal to optimize risks. Treat external ways: - distribution of risk; - insurance; - derivatives. Respectively distinguish from internal ways of decrease in risks: - limitation; - diversification; - creation of reserves; - obtaining additional information. The need to introduce an efficient control system of scratches which will lean on the modern methods of prediction and model operation with their further optimization is follow-up analyzed. Particular attention is paid to Ensuring effectiveness and reliability of the exercise of credit operations that demands from commercial banks a systematic qualitative analysis of projects, and continuous monitoring of all stages of their realization. Practical tools which enable successful assessment and risk management at all stages of crediting are developed and recommended. The article gives the main approaches to the definition of degree of financial risks, provides their main characteristics, gives particular main approaches to risk management, and the recommended main stages of this process are considered. The following conclusions are drawn: Activities of bank for risk management must have systemic character, cover all aspects of activity of the organization, be equitable to strategic interests, lean on scientifically and empirically reasonable models of identification, assessment, model operation and optimization.
Authors and Affiliations
Ю. М Гудзь
Keywords
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