id: 27324
Title: Formation of the loan portfolio in the context of ensuring the bank's financial stability
Authors: Polova O.
Keywords: bank, credit, loan portfolio, credit policy, stabilization of the banking system
Date of publication: 2020-12-09 11:13:46
Last changes: 2020-12-09 11:13:46
Year of publication: 2020
Summary: In conditions of economic instability, lending to individuals gradually became an unattractive product for most banks. The main reasons for this were high inflation and, as a rule, long-term lending, while banks preferred short-term loans for trade operations. The article presents measures to improve the credit policy of a commercial bank, improve the quality of the loan portfolio, security of loan repayment, the implementation of the mortgage right and the formation of a reserve for possible losses. Since loans, which are the most significant and always the most problematic part of assets in banks, they must be carefully assessed and standardized. Based on this, the bank`s credit policy is one of the most important tools for risk prevention, and its main purpose is to establish the key principles that must be followed by managers and executives of the bank when planning lending and lending.
URI: http://repository.vsau.org/repository/getfile.php/27324.pdf
Publication type: Статті у зарубіжних наукових фахових виданнях (Copernicus та інші)
Publication: Journal of science. Lyon. France : Lyon, 2020. № 14, vol. 2. P. 11-20
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Published by: Адміністратор
File : 27324.pdf Size : 648226 byte Format : Adobe PDF Access : For all
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