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Finance and Credit
 

The mechanism of formation credit portfolio of commercial bank taking into account risk of occurrence of the delayed loan debts

Vol. 16, Iss. 33, SEPTEMBER 2010

Available online: 10 September 2010

Subject Heading: FINANCE MANAGEMENT

JEL Classification: 

Yashin M.V. the post-graduate student of the finance and the credit chair, Samara state aerospace university name of academician S.P.Korolev
YashinMV@yandex.ru

Because of the complexity and subjectivity of the estimation decision-making process about granting credits, at stage of evaluation the possibility of crediting the borrower the great value is got by the problem of the creating an effective control system about the quality of the credit portfolio.
     At the present work with the help of economic and statistical analyses the credit losses probability (it depends on solvency) and the possible size of loss of the credit (it depends on guarantees and maintenance) are analyzed, the mechanism formation of the credit portfolio of commercial bank which takes into account the risk of occurrence of the delayed loan debts is developed. The conclusion is drawn on the high adaptability of the given model and objectivity of the accepted decisions about offering the credit resources, that allows the bank to lower possibility risks.

Keywords: credit portfolio, credit status, management, credit risk

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

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