Banking business operates in extremely harsh conditions. These conditions are determined by the specific competitiveness of a commercial bank. One of the bank`s key activities is credit management, which affects credit risks. From literacy and coordinated work of employees of credit units depends on the profitability of the bank and its competitive position. There are currently no unified requirements for assessing the quality of credit management, despite the fact that banks are seeking to develop their own approaches. The authors propose a method of assessing the credit management`s quality. This method claims the senior managers` attention as a strategic component of monitoring credit business processes. This method includes not only the traditional performance parameters of the Bank’s credit division, but also competitive positions in the credit market. The methodology systematizes such relative indicators as operational efficiency and strategic positioning. To characterize the credit management of the Bank developed a two-factor evaluation matrix of these indicators. The use of these indicators in the complex creates a high competitive potential of bank. In addition, it is recommended to include the criterion of sectoral diversification of the loan portfolio as a measure of the concentration of portfolio credit risk in the strategic positioning indicators.
|投稿的翻译标题||METHODICAL APPROACH TO ASSESSING THE CREDIT MANAGEMENT` QUALITY TAKING INTO ACCOUNT THE CRITERIA OF BANK`S COMPETITIVENESS IN THE CREDIT MARKET|
|州||Published - 2019|
Level of Research Output
- VAK List