BUSINESS INFORM №4-2017

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Section: Finance, Money Circulation and Credit
UDC 336.71
Zveruk L. А., Ivanyuk S. O.
The Foundations of Developing a Bank’s Credit Risk Management Strategy (p. 279 - 284)
The issue of credit risk management becomes especially relevant for the banking system of Ukraine nowadays, in the context of opening up the worldwide economic space. The objective need to improve the efficiency of bank’s credit risk management requires improvement of the legal, methodological, and organizational foundations of banking activity. The carried out research discloses the nature and place of credit risk among bank risks, its specific characteristics, and the factors of influence upon. The article emphasizes that, in order to make the functioning of bank efficient, credit risk should not be perceived as the probability of a negative event or danger, but rather as the income-generating activity. The main elements of the credit risk management system have been provided. The types and levels of credit risk have been distributed by the classification attributes. The role of internal and external environment factors influencing the bank lending policy has been explored. The role of the credit risk management strategy and tactics has been emphasized. The stages of the credit risk management strategy, its main methods and tools have been disclosed. Ways to successfully implement the credit risk management strategy for contemporary banks have been determined.
Keywords: bank risk, credit risk, credit risk management strategy, risk levels, risk monitoring, risk factors.
Fig.: 1. Bibl.: 10.

Zveruk Liudmyla А. – Candidate of Sciences (Economics), Associate Professor, Department of Finance, Banking and Insurance, Kyiv Cooperative Institute of Business and Law (18 Mykhaila Lomonosova Str., Kyiv, 03022, Ukraine)
Email: [email protected]
Ivanyuk Snezhana O. – Masters Student, Department of Finance, Banking and Insurance, Kyiv Cooperative Institute of Business and Law (18 Mykhaila Lomonosova Str., Kyiv, 03022, Ukraine)

Article is written in Ukrainian
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Reference to this article:
Zveruk, Liudmyla А., and Ivanyuk, Snezhana O. (2017) “The Foundations of Developing a Bank’s Credit Risk Management Strategy.” Business Inform 4:279–284.

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