The master's thesis is devoted to improving methodological tools for assessing risks in lending to individuals. The paper examines theoretical foundations of consumer lending and credit risk management; analyzes the composition of banks ' loan portfolios and identifies problems; improves the risk assessment methodology based on clarifying the qualitative criteria for evaluating the borrower that characterize his employer, as well as improving the personnel motivation system in order to increase its risk-orientation. As a scientific novelty, a methodological approach to the analysis of individual borrowers based on improving the assessment of employer company is proposed; a methodological approach to evaluating the performance of credit specialists based on KPI indicator system and point-weight method.
Совершенствование методического инструментария для оценки рисков при кредитовании физических лиц: магистерская диссертация
Симбирцева, А. А. (Author). 2021
学生论文: Master's Thesis