Необхідність застосування механізму мінімізації кредитного ризику в сучасних умовах
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Дата
2015
Автори
Кошонько, О.В.
Koshonko, O.V.
Назва журналу
Номер ISSN
Назва тому
Видавець
Хмельницький національний університет
Анотація
В статті розглянуто теоретичні підходи до дії механізму мінімізації кредитного ризику. Запропоновано власний
механізм мінімізації кредитного ризику, який відображає функціональні зв’язки між складовими елементами, що забезпечує
ефективність його функціонування.
In article theoretical approaches to the mechanism of minimizing credit risk. An own mechanism to minimize credit risk, which reflects the functional relationships between the constituent elements, providing efficient functioning. Improving the quality and efficiency of credit risk banks at any stage of the economic cycle requires the formation of a specific set of effective institutional and methodological (including software, automated) components, integration interaction which will receive management information of proper quality necessary to make appropriate decisions floor related risk. One of the main problems of Ukrainian banks are focusing on working with a narrow range of clients, which is characterized by the assumption of underestimation of credit risk because of excessive confidence and deregulation of the banks. Loans to customers such large volumes differ, and thus largely risk. As for the banks transfer the risk to other entities of the economy, to Ukraine's financial market is not characterized by established partner banks work with insurance companies on minimizing credit risk through liability insurance for non-credit borrowers, as well as the actual risk of default loans.
In article theoretical approaches to the mechanism of minimizing credit risk. An own mechanism to minimize credit risk, which reflects the functional relationships between the constituent elements, providing efficient functioning. Improving the quality and efficiency of credit risk banks at any stage of the economic cycle requires the formation of a specific set of effective institutional and methodological (including software, automated) components, integration interaction which will receive management information of proper quality necessary to make appropriate decisions floor related risk. One of the main problems of Ukrainian banks are focusing on working with a narrow range of clients, which is characterized by the assumption of underestimation of credit risk because of excessive confidence and deregulation of the banks. Loans to customers such large volumes differ, and thus largely risk. As for the banks transfer the risk to other entities of the economy, to Ukraine's financial market is not characterized by established partner banks work with insurance companies on minimizing credit risk through liability insurance for non-credit borrowers, as well as the actual risk of default loans.
Опис
Ключові слова
банківський кредит, кредитний ризик, банківська система, механізм, bank loans, credit risk, banking system, mechanism
Бібліографічний опис
Кошонько, О.В. Необхідність застосування механізму мінімізації кредитного ризику в сучасних умовах [Текст] / О. В. Кошонько // Вісник Хмельницького національного університету. Економічні науки. – 2015. – № 3, т. 3. – С. 111-116.