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Investment credit - Peresada A.A.

9.4. Credit Risk Management

Managing a credit riser with an investment credit can be presented with a model, the yak is depicted in Fig. 9.2.

Assessment of credit risks. Credit rizik - a function of the parameters of the posic and the posichnik. An estimate of the credit proposition, represented by a potential clerk, ц an estimate of the most varied types of loans, as well as an hour of repayment of a loan for a bank, a loan. Taka otsіnka is guilty of failing for five criteria:

  • reputation - the bazhenny of the clerk of the care of his goiters. The process of assessing the transfer of the credit reference of the clerk to the skinny;
  • the ability to get an account for all of their operations, or for a specific investment project and the ability to manage their cats;
  • capital - estimate base capital of the clergyman and his preparedness for the capital of the project, for some loan applications. The pozichnichnik is guilty of making preparations for distributing a draft project with a bank, which will have a loan, for the financial purposes, I will value part of his share capital, so that the pozichnik is guilty of taking on his own songs;
  • Umovi - estimation of the flow line I will forecast the development of business, regional and foreign economies, as well as goluzady ​​of statehood, de opera steward. Rizny omekhnichnichi umov izna ryznі ekonomіchnichi predictions for iznichny galluses of the state grants often require і iznichny pozichichih criteria on quiet of the last phases of the business cycle;

Model of management of rhizics in investment credit

Fig. 9.2. Model of management of rhizics in investment credit

  • outpost - over secured credit for the form zasti abo guarantee. The Bank is not guilty of lending more than less than I’ll force it, but more than guarantee, and more than that.

Assessment of financial information. On the basis of a forward analysis, the bank accepting the loan for the promotion of the loan application review, for which the fault is assessed the financial information of the principal:

  • RICHNU, PIVRICHNO ABOUT QUARTERLY FINANCIAL ZVITNIST of pіdpriymshestva;
  • fall into sight of credit, total sum and lines - a detailed structure of stocks, more detailed debt and credit bargaining;
  • a large pre-contract loan loan has a business plan, it will be shown, as needed, the pointers on the Maybut financial station and especially on groshy streams.

Zakhist vid vdrat at times nevikonannya zobov'yazan. For zhiduyu vid non-repayable gratuities for credit operations, the bank of vimusheniya vimagati vid posichalnik in secured loans. Security is a material asset, you have to make a right to a certain bank, and also the potential for repayment of a loan is reused. As a rule, a loan to a caregiver, an official to a bank of goiters, is so structured as to a loan, so that its value was higher than the current rate of care. Zauvazhimo, since securing by outpost is not a guarantee of repayment of the loan, the bank is guilty of carefully assessing the risk and likelihood of wartime safety, and then I will constantly reassign it. At the very least, the security of the loan, the loan amount is lower, the more you are willing to do it.

From now on, it is necessary for the bank to familiarize itself with any assets accepted for the purpose of compelling and calculating the priority loan interest. For the full following analysis of such characteristics of assets:

  • make sure that you appreciate the ease of acceptance before accepting the decision about the type of loan and by stretching the line for the loan (the decision to make it necessary to periodically renegotiate, so that in order to be secure enough to cover the loan);
  • the power of the rozmіshchennya force on the market;
  • liquidity; but for the power of a shvidky translation, make it to the Gotivka;
  • control - to be more exact, the creditor’s recognition of the obligation to force and realize the right to exercise it;
  • step of physical and moral old age (act to spend your time on your part, lower level, if you want a line of third-party status and last line can be significant).

Respect for the whole moment, the bank, who will get a loan, is guilty of:

a) translate the activity, so that you can be felt by the clerk at the clerk, for the benefit of the clergy, the right to enter the code of the most positive;

b) regrow the reassignment of rights to the outpost in the courts;

c) constantly review the recordings periodically (bazhan raptovo) re-read the textbook and the camp.

Thus, an outpost like this is not susceptible to risen, but there is no need for lenders and their chance to turn around for their financial vimogs at the non-pay borg.

Credit analysis. The system for rating credit for criterion is an important tool for systematically assessing the level of credit risk, which is connected with outstanding investment loans to a bank. Vykoristannya system with a rating of additional help є signify the availability of credit for a loan with a credit card, and a win card at all.

Banks often take advantage of credit ratings for loans, the basis for them is classification after step, the rule is set in the National Bank of Ukraine “On the procedure for formulating and saving a reserve for credit operations of 2000”. Number 279

Let me take a look at the price, the banks of guilty appropriation to the skin loan of the singing date of that / or the letters are irrelevant in the form of yakost.

For example:

a) the credit rating can be made up of a numbering system, such as a credit at a loan between 0 and 6 (div. table 9.5);

c) credit rating for system credit score; credit for designated employees, outpost, financial camp of the clerk, line that repaid scheme, credit information, price and credit. (div. table. 9.6);

d) credit rating for the analysis of the financial indexes of classics loans for the singing class from I to VI (div. table 9.7).

Table 9.5

RATING OF AN ATTITUDE LOAN FOR A NUMBER SYSTEM

Rating

Klasifіkatsіya

Stan abo des

0

Klasifikatsії not pіdlyagaє

The loan is in the process of valuation.

one

Prime

Posichnik, the largest credit rating

2

Viscous

Pozichalnik maє good financial stan and credit reputation

3

Zadovіlny

Pozichalnik maє prynyatny financial institution and credit reputation

four

Borderline

Weak pozichnik: lack of an outpost, credit over the great

5

Hirshe Boundary

Turning the Borg to the sum, the situation will require special robots with the paid Borg

6

Crib

Servicing the borg is not healthy, the payments are not ok

Table 9.6

RATING AN ANCIENT CREDIT FOR THE BALIV SYSTEM

Yakіst loan

Bali

Significant and total credit

1. Apparently admissible, the sum is more and more correct

2. Appointed sum, sum is accepted

3. Appreciable non-stop, the bag is problematic

twenty

fifteen

8

Loan applicant financial camp

1. Strong and precise minile financial mill, strong and stable supply of cost

2. Good financial mill, strong penny

3. Adopted financial mill, non-cash grocery

4. A nebysky walk near Maybutnyu, a weak penny potik

5. The crisis of financial stan

40

thirty

twenty

10

four

Zakіnchennyya tab. 9.6

Yakіst loan

Bali

Outpost

1. Outpost is not necessary, but a great groshova outpost is hoped

2. Significant outpost

3. Dostatnya outpost permissible іkvіdnostі

4. Dostatnya outpost obmezhenoі lіkvіdnostі

5. Shortage of outposts

6. Silently adopted posts

thirty

25

twenty

fifteen

8

2

Rows that offset pattern

1. Short-stringed, self-propelled, well second time dzherelo

2. Mid-line, repaid by installments, middle groshiy potik

3. Mid-line, paid off in one payment, pre-paid, middle-flowed stream

4. Dovgostrokovy, extinguish in parts, neponevnenst at nadhodzhennyah

5. Dovgostrokovy, priznachlenny p_d sumniv

thirty

25

twenty

12

5

Credit information about the clerk

1. Miracles of vidnosini in the past with the clerk

2. Garnі credit vіdguuki z nadіynih dzherel

3. Omezhdenі vіdguuki, mute negative information

4. Nemaє vidgukiv

5. Negative vidguki

25

twenty

fifteen

9

0

Vzamovidnosini with the clerk

1. Clear posting

2. с Clear the middle of the middle of the air

3. The bank carries on credit with the clerk

10

four

2

Price for loan

1. The food is sound for such a credit

2. Vіdpovіdno until the loan

3. Bottom line for such credit

8

5

0

Credit rating on the basis of foreign bank balances

1. Naked

2. Viscous

3. Zadovіlny

4. Boundary

5. Hirsch boundary

163-140

139-118

117–85

84–65

less than 64

Table 9.7

RATING OF AN ANCIENT CREDIT FOR ANALYSIS OF FINANCIAL COEFFICIENTS

Suma and some

Klas I

Klas II

Klas III

Klas IV

Klas V

Klas VІ

Koefіtsієnt flow іnіkvіdnostі

2.00

2.00

2.00

1,50

1,50

1.25

Dovgostrokova bargaining: capitalization

0.25

0.33

0.35

0.45

0.50

0.60

Dovgostrokova bargaining: shareholder capital

0.66

1.00

1.00

1.25

1.75

2.00

Peredpatkove pokritty v_dsotkіv

7.00

5.00

5.00

4.00

3.00

2.00

Groshovy potіk: Dovgostrokova bargaining

0.75

0.30

0.25

0.2

0.2

0.15

Dovgostrokova bargaining: net main assets

0.50

0.70

0.80

1.00

1,50

1,50

Net-werewolf capital:: Dovgostrokova bargaining

1.00

0.80

0.80

0.75

0.50

0.40

From now on, independent of those who have a credit rating for a vibe bank, you can wait a little for the low cost factors: get a loan, pay off that outrageous loan you can pay for the bail, the financial camp and the last loan for the bribe-taker.

The system is special for loans. When you give loans to banks, you need to get the financial position of the co-principal and that end of all the terms of the loan agreement, so that you can see the problems of the co-principal with the repaid loan at the early stages. To keep the bank as efficient as possible, there are the most effective ways to save the money and change the price.

Keeping in mind that credit is especially important at this time, it’s repaid if you stink it stitched, but if you disrupt it because of the minimum amount of money, you need to pay the amount of financial credit.

The processes of the cessation of the bank of grievances, the analysis of the financial institution and the tendency to develop the client, the last minute and the most possible service to the borg, as well as the availability of the next operation. It is irrelevant that if there are signs of credit problems є financial and not financial due to character, they need to be carefully analyzed. In the event of a loan, the bank is guilty of any kind of difficulty, which are the winners, and that’s why I’ve got the following calls:

  • analyze the problems of the clerk;
  • advise with practitioners who will deal with bad loans;
  • bring a loan to the lower class and raise a picture of the loan on income from the bank;
  • information about information on the winnings of the most advanced forms of work in a robot;
  • Shreddedly shred the clinker;
  • look at all the credit documentation, guarantors, bills, security, mortgage;
  • vivchiti moglivosti schodo dodatkoy zabolechenie;
  • Razrobiti plan koriguyuchih dіy.

Having taken into account the situation, the bank should move on to the development of a strategic “credit for credit” . Zrozumіlo, scho any problem credit є unique і, so the bank є ив ив ив ив ив ходит go to the skin-specific vipadu. Prote, be-yak strategy, in our opinion, is guilty of transmitting:

  • Sorting programs by the structure of bargaining;
  • the possession of pre-paid documentation and a guarantee;
  • vidrakhuvannya pre-adolescent care;
  • insertion of supplementary clothes;
  • sales security;
  • bestiality to guarantors;
  • organization of a saw partnership and investment;
  • a robot with a key to the problem of that problem;
  • software program vitrified vitrat;
  • sales of a third party company;
  • Зміну керівництва;
  • the award of the consultant and consultant at the side of the bank for the company with the company;
  • zbіlshennya vlasnogo capital company;
  • reorganization of the company;
  • organization of financial assistance to the side of the financial institute;
  • gaining government guarantees for budgetary servicing of the borg;
  • living legal visits - ofcourse to the guarantor and sales force, as a rule I will loan the non-refundable to the loan;
  • paperwork about bankruptcy.

From now on, before the problem of managing loans, which is necessary for credit investment projects, we have a business card, and banks are able to cherish the loan and manage the loan process at all stages.