Finance and Credit

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Finance and Credit

42(474) - 2011 November

Influence of refinance rate on formation of the credit portfolio and cost of resources of commercial bank

Vol. 17, Iss. 42, NOVEMBER 2011

Available online: 11 November 2011

Subject Heading: BANKING BUSINESS

JEL Classification:

Iljina L.I. doctor of economic science, professor of the department of finance and statistics, Syktyvkar branch of autonomous non-commercial organization of higher professional education of Central unit of the Russian Federation «Russian university of cooperation»
luiza_Ilina@mail.ru

Ruzhanskaya N.V. PhD in Economics, associate professor, Russian University of Cooperation, Syktyvkar
natasharug@mail.ru

In the article definition of the rate of refinancing in the scientific literature and bank practice is resulted. The estimation of its influence on formation of a credit portfolio of bank is given. Methods of pricing are considered and problems of an establishment of the price for credit products come to light. Directions of perfection of intrabank techniques of management in cost of credit resources are proved. The pricing model on bank products with use of flexible analogue of the rate of refinancing is offered.

Keywords: financial crisis, the bank market, commercial bank, the refinancing rate, a credit portfolio, profitableness, risk, credit resources, pricing, a technique, model

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

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