home Banking Books Кредитно-розрахункові операції - Мілай А.О.

Кредитно-розрахункові операції - Мілай А.О.

2.4. Forms of protection of banking

The form of the bank account of the bankruptcy of the bankruptcy of the bankruptcy bureau, the legalization of the creditor's right to a yogic customs office, the control of the bank for the availability of its financial security.

The basic overthrow of the bank's position is і цільові грошові надходження, дохід, прибуток від реалізації прокредитова-ного їєкта. Alya be-yaka credit operation is faced with a pivotal rizikom, tobto situation is possible, but a poshchalnik can not get enough money for princely pennies, income, surplus, and not to save a one-hour charge of the borg. For insuring one's own risk, dent in the form of insurance, the Borgu pawn guarantee.

Otzhe, in bankovskiy practice vikoristovyetsya two dzherela okrashennya posek - pervinni i vtorinni.

For fіnansovo stabіlnyh pozhаchalіvіv, yakі nalezhat up to першокласних клієнтів to the bank, dostatno zakrіpiti u kreditnіy ugodі primelne dzherelo zapashennya pose. Ale takі klієnti not domіnuyut zagalnіy masі pozhal'nikіv, to that zdіbіlyshogo banks zmushenі zastosovuvati order іz prinimnimi takozh vtorinni (dodatkovі) zakobi zahistu vіd credit risk, tobgo vimagati vіd poschalnikіv pevnogo zabezpechennya.

In Ukraine, in a bad law, the banks can be vicarious and form the poses :

• outpost;

• Guarantee;

• Assignment (cession) to the bank of the bank vimog and rakhunkiv to the third individual;

• Mortgage;

• insurance to please (polis).

Zastava - tse sposіb zabezpechennia zobov'yanya. Nayposhirenishyu є outpost, is cautious about the contract, if the bureau is good enough to go into the outpost і formalize the business with the creditor.

Zastavoyu mozhe bouti zabezpechena tilki dіysna vimoga. Tse means, but the dogovir is not forced to selfish character, togo yogo can not pose the pact with the contract, vikonannya I vobin zabezpechuє.

The subject can be made possible by be-yak mayno, yak vidpovidno up to the legislation of Ukraine can be vchuchuene zapadavtavtsev, and takozh tsinnyi paperi i maynovi rights.

Zastavnoy mayno to torment the mother:

• Visoku lіkvіdnіst, тобто здатність до конвертації в кошти;

• building up a trivial zberigannya (as a rule, by stretching the term with a stubby stance);

• Stabilization;

• low-cost vitrathi schodo zberigannya i realizatsii;

• Easy access for monitoring.

The lender-zastavoutrimuvach me the right to realize zastavnoy mayno, yakschoo zobezpechenie him zobov'yaznnya not bude vikonano. The creditor is the right in every time without a conviction, a porter-zastavnikom zabozpechenogo zabovoyu zobov'yanya otrimati zadovolennya z vartosty zastavnogo mina ransіsche vіd інших creditorіv of the souvenier.

Zastava moe zabezpechiti not tilki poverennya posychki, but the finest vіdsotkіv і peni for the contract. Wartism is forced by the buti wischoyu, nizh rozmir pose.

2.5. Methods of managing credit risk

Loan rizik viznachaetsya dovmovnistyu addition, but the poshchalnik not zmozhe abo do not want vikonati sobi zobov zazhdno z creditnomu please. Managing credit risk to the bank zdіysnyuetsya in two places rivnyakh vidpodіdno to the reasons yogo виникнення on рівні кожної окремої poka ta on рівні a loan portfolio in tіlomu.

The main causes of credit crunching in the regions are:

• the lack of commitment of a poshchalnik to create an adequate groschen potyk;

• risky lіkвідності застави;

• the moral character of the poshchalnik.

To chinnikiv, yakі збілшують the risk of a loan portfolio to a bank , lie like this:

• over-concentration - loans in one sector of the economy;

• nadmіrna diversifikatsya, yaka to bring up to погіршення the anchor management for the visibility of the availability of the number of visokokvalіfіkovanyh фахівців, yakі to know osoblivostі bagatоh галузей економіки;

• currency risk in the loan portfolio;

• The structure of the portfolio, which is formed by the formation of losses in the form of consumption of goods, and not by the bank itself;

• рівень кваліфікації personnel to the bank.

Methods of management of credit risk are summarized in two groups: 1) the method of managing credit risk on the basis of the environment; 2) methods of managing credit risk on the loan portfolio to the bank.

Until the first group of methods, lay down:

1) analiz of the creditworthiness of the posadnik;

2) Analyze that loan to a loan;

3) structure of the pose;

4) documenting of credit operations;

5) control over the lending of the loan, and the prisoner's body. Особливістю перелічених методів є необхідність їх послідовного

Zastosuvannya, oskilki vodnochas stubs is itself a stage of the process of credit. Yaksho on the leather stage before the credit spivobitnikom put zavdannya minimizuvati credit risk, then rightly rozglyadati etapy creditwas the method of managing the risky okremoy pozits.

Methods of managing the risk of loan portfolio to the bank :

1) diversification;

2) lіmіtuvannya;

3) securitization of reserves for vidstokduvannya vtat for lending operations komercitsnykh bankov.