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Forming limit system as basis for creation of optimal volume and structure of mortgage loan portfolio

Available online: 27 March 2013

Subject Heading: Banking

JEL Classification: 

Mortgage lending nowadays is one of the priorities of the majority of the active operations of Russian banks, and mortgage debt at the same moment is not less than one third of the total loan portfolio of the leading members of the mortgage market. Therefore, the degree of effectiveness of a pool of mortgage assets is becoming a major impact on the financial results of the credit institution. In the article the system of mortgage lending limits, the use of which may be one of the ways to improve the management of a portfolio of mortgage loan is proposed. It is concluded that with the limitation may be not only the formation of the optimal structure and volume of its portfolio done, but reduction of possible financial losses related to credit and market risks also.

Keywords: mortgage lending, portfolio, quality, risk, limit

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

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