ANALYSIS OF THE MECHANISM FOR OVERCOMING CREDIT RISKS AND WAYS OF IMPROVEMENT ON THE EXAMPLE OF SBERBANK PJSC

2020 ◽  
Vol 4 (11) ◽  
pp. 88-93
Author(s):  
K. M. KHANAPIEVA ◽  
◽  
A. N. SHAMSUDINOVA ◽  
M. G. ALIMIRZOEV ◽  
◽  
...  
Keyword(s):  
Risk Management ◽  
Credit Risk ◽  
Credit Risk Management ◽  
Management Mechanism ◽  
Credit Risks ◽  
Efficiency And Effectiveness

The article assesses the efficiency and effectiveness of the credit risk management mechanism that the bank is guided by when issuing loans to both the population and enterprises. Problems associated with this mechanism for overcoming credit risk are substantiated, and recommendations are given to overcome these problems.

Credit risk management of Ghanaian listed banks

2016 ◽  
Vol 58 (2) ◽  
pp. 162-178 ◽  
Author(s):  
Michelle Ayog-Nying Apanga ◽  
Kingsley Opoku Appiah ◽  
Joseph Arthur
Keyword(s):  
Risk Management ◽  
Credit Risk ◽  
Management Practices ◽  
Banking Sector ◽  
Banking Industry ◽  
Credit Risk Management ◽  
Structured Interviews ◽  
Content Type ◽  
Credit Risks ◽  
Commercial Loans

Purpose – The study aims to assess credit risk management practices within financial institutions in Ghana. Specifically, the study compares credit risk management practices of listed banks in Ghana with Basel II (1999). Design/methodology/approach – The analysis is based on data gathered from varied sources, namely, use of questionnaires, analysis of internal credit policies and procedure manuals and semi-structured interviews and discussions with credit risk managers of the selected banks in May 2007 and October 2014. Findings – Overall, the credit risk management practices within listed banks in Ghana are in line with sound practices. The only dissimilarity, however, is the role of the board of directors in defining acceptable types of loans and maximum maturities for the various types of loans. The listed banks in Ghana are also exposed to credit risks associated with granting both corporate and small business commercial loans and the use of collaterals to mitigate their credit risk exposures. Practical implications – Banks in Ghana should consider developing the skills of all their personnel and appropriately motivating those involved in the credit risk management processes to ensure that they carry out this process efficiently. Originality/value – Research into credit risk management in the banking industry from the Ghanaian perspective remains scant. This study is, therefore, timely, and its findings are invaluable for the efficient management of credit risk in the banking industry. This study provides policy recommendations which will enhance shareholder value and, in this way, contribute to greater stability in the banking sector in developing countries, in particular.

scholarly journals The Risk Management of Commercial Banks——Credit-Risk Assessment of Enterprises

2016 ◽  
Vol 8 (9) ◽  
pp. 69
Author(s):  
Na Luo ◽  
Jiayi Yang ◽  
Yuanfeng Zhu ◽  
Yu Zhang
Keyword(s):  
Risk Assessment ◽  
Risk Management ◽  
Credit Risk ◽  
Commercial Banks ◽  
Assessment System ◽  
Assessment Model ◽  
Good Prediction ◽  
Credit Risk Management ◽  
Credit Risk Assessment ◽  
Credit Risks

With the diversified developments of the financial market, commercial banks are confronted with various risks, among which the credit risk is the core, and thus the assessment of enterprises’ credit risks is especially important in the credit process of the commercial banks. Based on the relevant researches about commercial banks’ credit risk management, the paper carries out a deep analysis on the factors that may affect the credit risk assessment and then establishes a relatively comprehensive credit risk assessment system. In this paper, we apply our risk assessment model, which is established on the basis of GRNN neural network model, to make an empirical analysis with the selected sample data. And the results suggest that the hit rates of identifying high quality enterprises and low quality enterprises are 92.16 percent and 93.75 percent, respectively, indicating that the model has realized a good prediction.

scholarly journals The Role of the Credit Risks Management in Commercial Banks

2020 ◽  
Vol 6 (6) ◽  
pp. 225-229
Author(s):  
M. Kenjaev
Keyword(s):  
Risk Management ◽  
Monetary Policy ◽  
Credit Risk ◽  
Commercial Banks ◽  
Best Practice ◽  
Credit Risk Management ◽  
Credit Risks ◽  
The Republic

The article discusses issues related to improving credit risk management in the activities of commercial banks of the Republic of Uzbekistan, as well as developed scientific proposals aimed at solving these problems. Studied further ways to improve monetary policy using the tools used in international best practice in the strategy of the President of the Republic of Uzbekistan.

scholarly journals Loan Loss Provision as One of the Ways to Minimize Credit Risk

2020 ◽  
Vol 11 (2) ◽  
Author(s):  
Larisa Tatarinova
Keyword(s):  
Risk Management ◽  
Central Bank ◽  
Credit Risk ◽  
Russian Federation ◽  
Management Practices ◽  
Risk Control ◽  
Credit Risk Management ◽  
Loan Loss ◽  
Credit Risks ◽  
The Russian Federation

The article examines credit risk of a commercial bank, ways of minimizing it, focusing on credit risk control for loan products in banks. It is noted that the Central Bank of the Russian Federation regulates managing credit risks for credit organization and forming a reserve for these risks. The Central Bank of the Russian Federation had four stages in regulating the creation by credit organizations of a reserve for risk control for loan products since 1990, while credit organizations have not been required to establish such reserves even today. At each of the steps identified, credit risk management practices are described and evaluated. The authors noted that there had been a shift from administrative methods of credit risk management to market-based methods that allowed a credit organization to develop its own methods of assessing a borrowers financial situation. As part of the further development of the practice of reserve for risk control for loan products, dynamic reserve methods are identified to ensure the reliability of credit institutions in an unstable economy.

scholarly journals Historical Trends and Transitions in Credit Risk Management of Chinese Commercial Banks

2018 ◽  
Vol 9 (5) ◽  
pp. 96
Author(s):  
Bhabani Shankar Nayak ◽  
Jia Xu
Keyword(s):  
Risk Management ◽  
Credit Risk ◽  
Commercial Banks ◽  
Foreign Banks ◽  
Credit Risk Management ◽  
Historical Trends ◽  
Credit Management ◽  
Credit Risks ◽  
History Of ◽  
Managing Risk

The paper outlines different trends and transitions in the history of credit risk management of Chinese commercial banks. By critically reviewing different stages of credit management and its historical evolution, it helps in understanding the nature of subjective challenges faced by Chinese commercial banks to manage credit risks. It reviews post reform policies in particularly after 1978 to locate the policy transitions and trajectories of credit risk management of commercial banks in China. It helps to understand the problems and prospects of effective credit management of risks by Chinese commercial banks. It argues that Chinese commercial banks are facing greater challenges in managing risk after the entry of foreign banks to China. Therefore, it is important for the commercial banks in China to develop its own credit management mechanisms within the context of Chinese banking environment.

scholarly journals Improving the Credit Risks Management in Commercial Banks of the Republic of Uzbekistan with Global Pandemic Crisis and His Influence

2020 ◽  
pp. 1-3
Author(s):  
Kenjaev Mekhriddin G ◽  
Keyword(s):  
Risk Management ◽  
Monetary Policy ◽  
Credit Risk ◽  
Commercial Banks ◽  
Best Practice ◽  
Credit Risk Management ◽  
Credit Risks ◽  
Global Pandemic ◽  
The Republic

The article discusses issues related to improving credit risk management in the activities of commercial banks of the Republic of Uzbekistan, as well as developed scientific proposals aimed at solving these problems. And also studied further ways to improve monetary policy using the tools used in international best practice in the strategy of the President of the Republic of Uzbekistan. And talked about the global pandemic crisis and his influence

Retail Credit Risk Management in Indian Public Sector Banks

2012 ◽  
Vol 3 (8) ◽  
pp. 31-37
Author(s):  
Nayan J. Nayan J. ◽  
◽  
Dr. M. Kumaraswamy Dr. M. Kumaraswamy
Keyword(s):  
Risk Management ◽  
Public Sector ◽  
Credit Risk ◽  
Credit Risk Management ◽  
Public Sector Banks ◽  
Retail Credit
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