Оцінка фінансово-економічних передумов управління кредитним ризиком у банківській системі України
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Файли
Дата
2019
Автори
Олійник, А.В.
Oliinyk, A.
Назва журналу
Номер ISSN
Назва тому
Видавець
Хмельницький національний університет
Анотація
Проаналізовано основні показники діяльності банків на ринку кредитування. Встановлено, що банки працюють в
умовах високих кредитних ризиків, результатом яких є значні обсяги непрацюючих кредитів у банківській системі України.
Проведено оцінку фінансових передумов управління кредитним ризиком у банківській системі України. Визначено та
обґрунтовано вплив фінансових та економічних передумов на ефективність управління кредитним ризиком банківських
установ.
Credit risk is an integral part of the bank's existence in the market of banking services. Therefore, credit risk is a special object of analysis and management for a bank, since income from banking activities is dependent on the effectiveness of credit risk management. Moreover, growing credit risk is transformed into the main source of bank risk in general. Therefore, the assessment of financial and economic preconditions for credit risk management in the banking system of Ukraine is gaining momentum in order to create an effective system for managing it. The article is to evaluate the financial and economic preconditions of credit risk in the banking system of Ukraine and determine their impact on the effectiveness of credit risk banks. The main indicators of banks' activity in the lending market are analysed. It is established that banks operate in conditions of high credit risks, resulting in significant volumes of non-performing loans in the banking system of Ukraine. The estimation of financial prerequisites of credit risk management in the banking system of Ukraine is conducted. The influence of financial and economic prerequisites on the efficiency of credit risk management of banking institutions is determined and grounded. The analysis of the current state of lending activity of Ukrainian banks makes it possible to highlight the following negative aspects that make it necessary to improve the system of credit risk management and to find ways to minimize them: the deterioration of the quality of loan portfolios of banking institutions, which is manifested in the growth of the share of non-performing loans; significant volumes of loans issued by banks are denominated in foreign currency, which, with a depreciation of the national currency, leads to an increase in the debt burden on borrowers and an increase in the level of credit risk; increase of credit risk in the banking system of Ukraine for transactions involving insiders.
Credit risk is an integral part of the bank's existence in the market of banking services. Therefore, credit risk is a special object of analysis and management for a bank, since income from banking activities is dependent on the effectiveness of credit risk management. Moreover, growing credit risk is transformed into the main source of bank risk in general. Therefore, the assessment of financial and economic preconditions for credit risk management in the banking system of Ukraine is gaining momentum in order to create an effective system for managing it. The article is to evaluate the financial and economic preconditions of credit risk in the banking system of Ukraine and determine their impact on the effectiveness of credit risk banks. The main indicators of banks' activity in the lending market are analysed. It is established that banks operate in conditions of high credit risks, resulting in significant volumes of non-performing loans in the banking system of Ukraine. The estimation of financial prerequisites of credit risk management in the banking system of Ukraine is conducted. The influence of financial and economic prerequisites on the efficiency of credit risk management of banking institutions is determined and grounded. The analysis of the current state of lending activity of Ukrainian banks makes it possible to highlight the following negative aspects that make it necessary to improve the system of credit risk management and to find ways to minimize them: the deterioration of the quality of loan portfolios of banking institutions, which is manifested in the growth of the share of non-performing loans; significant volumes of loans issued by banks are denominated in foreign currency, which, with a depreciation of the national currency, leads to an increase in the debt burden on borrowers and an increase in the level of credit risk; increase of credit risk in the banking system of Ukraine for transactions involving insiders.
Опис
Ключові слова
банк, банківська система, кредит, кредитний портфель, непрацюючі кредити, кредитний ризик, управління кредитним ризиком, фінансово-економічні передумови управління кредитним ризиком, мінімізація кредитного ризику банку, резерви за активними операціями банків, рентабельність капіталу, рентабельність активів, bank, banking system, credit, credit brief-case, Non-performing loan (NPL), credit risk, management a credit risk, financial pre-conditions of management a credit risk, minimization of credit risk of bank, backlogs on the active operations of banks, profitability of capital, ROA
Бібліографічний опис
Олійник, А.В. Оцінка фінансово-економічних передумов управління кридитним ризиком у банківській системі України [Текст] / А. В. Олійник // Вісник Хмельницького національного університету. Економічні науки. – 2019. – №1. – С. 79-86.