MANAGEMENT OF SECURITY FOR BANK LOANS ON THE BASIS OF RISK MANAGEMENT

Authors

  • V.V. Kovalenko Odessa National Economic University, Ministry of Education and Science of Ukraine, Department of Banking, Preobrazhenskaja Str., 8, Odesa, 65082

DOI:

https://doi.org/10.15330/apred.1.12.3-10

Keywords:

credit, provision risk, loan, risk management, reserves

Abstract

The article aims to study methods and tools for risk management to ensure bank loans. Proved that the effectiveness of risk management to ensure bank loans depends on consistency, adequacy methods of evaluation, quality monitoring and timely response system of the banks and the regulator.

The article is to develop recommendations to improve the effectiveness of risk management providing bank loans considering the risks inherent in the process support mortgage portfolio of banks in the face of considerable uncertainty functioning banks.

It is proved that the risk provision of bank loans in the loan management should be considered through risk characteristics that form the aggregate credit risk.

Substantiated that risk management software meets the classic risk management, which identifies four main stages: identification; risk assessment software; control risk; minimizing risk.

JEL: G 28

Author Biography

V.V. Kovalenko , Odessa National Economic University, Ministry of Education and Science of Ukraine, Department of Banking, Preobrazhenskaja Str., 8, Odesa, 65082

D. Sc. Econ., Professor

References

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Published

2016-04-11

Issue

Vol. 1 No. 12 (2016): THE ACTUAL PROBLEMS OF REGIONAL ECONOMY DEVELOPMENT"

Section

Problems of financial-credit and insurance market of Ukraine

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