现代危机条件下商业银行信贷组合的有效管理

О. Zharikova, O. Pashchenko, Marina Smalyuh
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引用次数: 0

摘要

该出版物的目的是研究如何确保银行信贷组合的有效管理,并找到扩大主要经济部门银行贷款的方法。根据JSC CB«私人银行»对2019-2022年进行了实际计算。确定银行的信贷活动是为国家经济吸引资金并确保其最佳运作的重要来源之一。为了达到目的,采用了一般的科学方法:观察、比较、抽象、分组、统计方法、观察、分析和综合方法、归纳和演绎方法。根据研究的主要结果,证明了JSC CB«私人银行»信贷组合管理的方向之一是通过分散风险来稳定投资组合,形成了双重管理思路;金融机构有义务对不良资产管理流程的制定和实施、问题资产管理战略的制定和实施、问题资产管理战略实施情况的控制和报告等实施新要求;根据该条例制定问题资产管理战略将有助于提高各银行机构,特别是JSC CB«私人银行»的信贷组合管理效率。所得结果的现实意义在于克服金融危机的后果,恢复经济增长的最重要因素,即银行信贷投资的增长,如果没有适当的信贷风险管理组织,这是不可能的。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
ENSURING EFFECTIVE MANAGEMENT OF THE CREDIT PORTFOLIO OF A COMMERCIAL BANK IN THE CONDITIONS THE MODERN CRISIS
The purpose of the publication is research on ensuring effective management of the bank's credit portfolio and finding ways to expand bank lending in the leading sectors of the economy. Practical calculations were carried out on the basis of JSC CB «PrivatBank» for the years 2019-2022. It was determined that the bank's credit activity is one of the important sources of attracting funds to the country's economy and ensuring its optimal functioning. To achieve the goal, general scientific methods were used: observation, comparison, abstraction, grouping, statistical methods, observation, methods of analysis and synthesis, induction and deduction. According to the main results of the study, it was proved that: one of the directions of credit portfolio management of JSC CB «PrivatBank» is the stabilization of the portfolio by diversification of risks, which forms a dual approach to its management; financial institutions are obliged to implement new requirements for the development and implementation of non-performing asset management processes, problem asset management strategies, control and reporting on the implementation of the problem asset management strategy; the development of a problem assets management strategy in accordance with the Regulation will contribute to the improvement of the efficiency of the management of the credit portfolio of each banking institution, in particular JSC CB «PrivatBank». The practical significance of the obtained results lies in the most important factor in overcoming the consequences of the financial crisis and resuming economic growth, namely the growth of bank credit investments, which is impossible without proper organization of credit risk management.
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