Підвищення якості кредитного портфеля як чинник мінімізації кредитного ризику банку

Abstract

The essence of the loan portfolio is considered. The place and role of the loan portfolio in the bank's credit risk minimization were considered. The purpose of this article is to develop a mechanism for managing the quality of the loan portfolio based on the analysis of the specifics and current state of lending in Ukraine. Therefore, the urgency of the problem of credit risk regulation was justified. The share of the loan portfolio in the assets of Ukrainian banks and the share of NPL banks in Ukraine. The state of the loan portfolio of banks in the public sector and key requirements for financial institutions are analyzed. It was determined that the control over the quality of the formation of the loan portfolio of the bank is related to the provision of conditions and objective standards of the NBU, as well as this part of the liability is a significant measure to guide the commercial bank. For the purpose of improving the loan portfolio, the algorithm for calculating the effective loan portfolio of the bank in modern terms. Considered the mechanism of loan portfolio quality management. It is determined that the guiding principles of credit policy, including in its basis for the formation of a quality loan portfolio, are built within the bank on the basis of decisions, methods and approaches to the conclusion of the joint venture.