ORGANISATION OF CREDIT RISK IN THE ACTIVITIES OF COMMERCIAL BANKS AS VECTOR STABILIZATION OF THEIR ACTIVITY

Abstract

In the course of activities of commercial banks the level of a credit risk especially it urgent in the conditions of financial crisis is of particular importance. Having sufficient inventories in assets bank institutes don’t wish to place means as the possibility of credit risks takes place. Therefore many banks modern conditions, choose a waiting attitude, however many large credit institutions can risk as they fulfilled a risk management policy. For achievement of minimization of a credit risk it is necessary to adapt activities of banks, including optimization of information systems and evaluation methods of creditworthness of clients, and also development of individual criteria taking into account specifics of activities of each bank taking into account development of innovative technologies of customer service.

Keywords

• commercial bank
• risk management
• credit risk
• credit portfolio
• management tools credit risk