Finance and Credit

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Finance and Credit

44(380) - 2009 November

Estimation of quality of the loans given out by commercial banks

Vol. 15, Iss. 44, NOVEMBER 2009

Available online: 26 November 2009

Subject Heading: Bank management

JEL Classification:

Gadzhiev A.A. the Doctor of Economics, the professor managing chair of monetary circulation and the credit of Dagestan state university

Isaeva P.G. associate professor, of chair of monetary circulation and the credit, the Dagestan state university
isaevapatimat@rambler.ru

Sultans G.S. associate professor, of chair of economy and an estimation of the property of the Dagestan state university
sirius2001@mail.ru

For an estimation of quality of the actives, first of all the given out loans depending on degree of their promptness it is necessary to use the system of indicators comprehensible in the conditions of bank practice. Quality of the credits given out by banks depends on many factors: from оборачиваемости and promptness of actives, from indicators of liquidity, factor of risk, etc. the Estimation of quality of actives on degree of risk demands the analysis not only volume and relative density of the actives weighed on degree of risk, but also a finding of relative densities of each group of risk, the analysis of volumes of critical and defective actives, and also their variability. More detailed attention thus demands operation of the highest group of risk.

Keywords: bank, the credit, risk

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ISSN 2311-8709 (Online)
ISSN 2071-4688 (Print)

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