- Reliability. The system must operate continuously and smoothly.
- Optimality. Optimum control system characterized
establishment between the elements of rational relations at all levels.
- Cost. Cost includes obtaining the necessary
result in minimum cost [23,26,55].
Credit risk management system not only allows banks
ensure their profitability and efficiency lending, but
Advancing the bank loan is its role in the circulation... selengkapnya »
Credit risk management system must meet certain requirements.
Credit risk management system must meet certain requirements.
Among them:
- Integrity. The control system should be consistent, because
violation of integrity may change the relationships between parts
system and its operation mechanism.
- Resistance. The control system must remain effective in
to external and internal factors.
- Commitment. Commitment involves the development of goals and
objectives and ways to achieve... selengkapnya »
implementation of proper analytical
dnoshennya return and risk. The purpose of this activity
is to create conditions creditor protection by setting limits and
diversification of loan terms, implementation of proper analytical
diagnosis of the financial condition of the borrower, which should include
analysis of the client's cash flow and a comprehensive analysis of its
creditworthiness, the choice of the optimal form of collateral. [21]
Credit risk is an integral... selengkapnya »
decreased in profitability banking sector
in the course of their activities. Its appearance is caused, first of all,
delayed detection of problem loans and the lack of established
under these provisions, and the imperfection of credit control in banks.
Increasing interest in the assessment of the credit risk associated with an increase
the loan portfolio of banks decreased in profitability
banking sector, prompting banks to take on high credit
risks. All this has caused... selengkapnya »
the urgency of improving
in the course of their activities. Its appearance is caused, first of all,
delayed detection of problem loans and the lack of established
under these provisions, and the imperfection of credit control in banks.
Increasing interest in the assessment of the credit risk associated with an increase
the loan portfolio of banks decreased in profitability
banking sector, prompting banks to take on high credit
risks. All this has caused... selengkapnya »
The basis of modern banking is to optimize
Strict and consistent adherence to these stages will allow more
carefully monitor the credit process and, consequently, provide
quality of the loan portfolio and, consequently, the effectiveness of
banking institution as a whole [64].
1.3 The system of credit risk management of commercial bank
The basis of modern banking is to optimize the parameters
risks causing the need for an integrated approach to the creation of
management.... selengkapnya »
been engaged with the client after receiving his loan
In the loan agreement provided as is usually some force majeure
circumstances that give guarantee banks and customers in the event of losses due to
circumstances beyond their control.
At the fifth stage, the bank has been engaged with the client after receiving
his loan. This work provides for enforcement
loan agreement and the search for new forms of cooperation with the client. In the case of
deterioration of the financial situation... selengkapnya »
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