MANAGEMENT OF SECURITY FOR BANK LOANS ON THE BASIS OF RISK MANAGEMENT
DOI:
https://doi.org/10.15330/apred.1.12.3-10Keywords:
credit, provision risk, loan, risk management, reservesAbstract
The article aims to study methods and tools for risk management to ensure bank loans. Proved that the effectiveness of risk management to ensure bank loans depends on consistency, adequacy methods of evaluation, quality monitoring and timely response system of the banks and the regulator.
The article is to develop recommendations to improve the effectiveness of risk management providing bank loans considering the risks inherent in the process support mortgage portfolio of banks in the face of considerable uncertainty functioning banks.
It is proved that the risk provision of bank loans in the loan management should be considered through risk characteristics that form the aggregate credit risk.
Substantiated that risk management software meets the classic risk management, which identifies four main stages: identification; risk assessment software; control risk; minimizing risk.
JEL: G 28
References
Gagauz, Vitalij. “Risks of providing bank loans and methods of their management.” Economic space 4 (2015): 87-97. Print.
Karbovnichii, Igor. “The analysis of the loan portfolio of banks of Ukraine on the effectiveness of risk management and identifying the main factors that caused it”. Bulletin of Banking University 3 (13) (2011): 201-206. Print.
Kovalenko, Viktoriia, and Oksana Koreneva. “Methodological approaches to risk management to ensure bank loans.” Scientific Bulletin of Kherson State University 11 (2015): 119-122. Print.
Kravchenko, Viktor, and Vladimir Kravchenko. “Improving the assessment of creditworthiness of the borrower.” Proceedings KNTU 7 (2010): 205-209. Print.
Michenko, Vladimir, and Svetlana Michenko. “Credit risk management through improved provision of bank loans.” 20 August 2009 Web. < http://fp.cibs.ck.ua/>.
Sloboda, Larisa. “The role and function of credit risk in banking.” Regional Economics 1 (2005): 128-137. Print.
Тereshhenko, Oleg. “The role and function of credit risk in banking.” Bulletin of the National Bank of Ukraine 9 (2012): 4-8. Print.
Guide to Credit Management. Moscow: Infra-M, 1996. Print.
Luneva, Yuliia. “Essence and Content Credit Management in Commercial Bank.” Banking 5 (2005): 106-112. Print.
Vasiurenko, Oleg, and Yulia Podchesova. “Modern concepts of credit risk management as key components of credit risk management of the bank.” Actual problems of economy 1 (115) (2011): 170-177. Print.
“Data of the financial reporting banks of Ukraine.” 1 January 2016. Web. <http://www.bank.gov.ua>.
Barida, Nadiya. “The role of collateral and the collateral value of the loan process.” Finance, accounting and auditing 14 (2009):14-21. Print.
Downloads
Published
How to Cite
Issue
Section
License
Authors who publish in this journal agree to the following terms:
- Authors retain copyright of their work.
- Authors grant the journal the right of first publication.
- The published article is simultaneously licensed under CC BY 4.0.
- Authors may enter into separate, non-exclusive agreements for the distribution of the published version of the work (e.g., institutional repositories, academic networks, inclusion in books), provided that the original publication in this journal is properly acknowledged.
- Authors are permitted and encouraged to post their work online (preprints) before and during the submission process.
