Mysienko
Olena
Kharkiv
banking institute University of banking
National
bank of
Management by credit brief-case of bank
Economic growing and providing the efficient
conditions for development of the private sector, the improvement of social
defence and welfare of population are possible only to the efficient
development of crediting by bank institutions. The process of management by the
credit brief-case of bank is one of the main peculiarities. A credit creates favourable terms for development of all spheres and
industries of national economics of
The management by a credit brief-case is the basic
direction of the bank credit policy. It plays the main the role of credit
relations in the economic processes of the state. For the period of transaction
to the market economics, and formation the Ukrainian banking system, the
special attention has been given to development and introduction of bank
products and services, which inherent to the market economic process. After due
consideration this problem, it has been discovered, that the main part of these
products, as the point of view volumes so the point of view an assortment both,
belong to the crediting operations. The specific gravity of the bank interest
yields from crediting was over 60% from the lump sum of the bank profits in its
activity. Crediting is
the priority link of activity of the modern Ukrainian banks. The economic
development depends on efficiency of realization by banks their credit
functions. In this connection the
researches of item concerned to the organization and improvement management
by the credit brief-case of bank and conducting the investigations for development of this question have been acquired actuality and
special value for Ukrainian banking system. First of all it is necessary
to say a few words about the theoretical description of management by the
credit brief-case of bank. It will allow more expressly finding out essence of
the conducted developments. A credit concept to the brief-case has been met
before in many scientific developments and researches. A “credit brief-case” is
the important instrument of bank credit activity, which shows itself the
aggregate of all types of credits, given by bank establishment to the targets
audiences with the purpose of receipt the income as interests. The effecient
management by the credit brief-case of bank is providing of its necessary
qualities, which enable to have the certain level of profitability and
liquidity to the bank. Forming of high-quality credit brief-case of bank has an important
signification for its cost-effective work and reliability as a partner in
financially-economic activity. Qualities’ estimation of the credit brief-case of bank is a difficult
process sufficiently. The most widespread method of qualities’ estimation the
brief-case is founded method of loans as Statute of the National bank of
On the first stage of effective management by the credit risk, a leading
place has occupied its high-quality and quantitative analysis that provided
diminishing of negative consequences of its origin. On the second stage, the
realization of banking management by the credit risk has been carried out at
two levels: at the level of every separate loan and at the level of credit
brief-case on the whole. To
the methods of management by the risk of separate credit we could apply: 1) analysis of borrower’s solvency; 2) analysis and credit’s
estimation; 3) making reserves; 4) documenting of credits operations; 5)
control after allotted credit and mortgage state. To the methods of banking management
by the risk of credit brief-case could also apply: 1) diversification; 2) limiting; 3) accumulation of reserves
for compensation of losses after bank credit operations; 4) securitization.
The high-quality and quantitative analysis of credit risks and effective
management by them have been provided upgrading credit operations on the whole.
The problem of declining credit risk in bank also substantially depends on
perfect methods of management, applied by a bank, such as:
– using the modern models of
estimation of the borrower’s financial state;
– at estimation of borrower’s solvency
operating by not only information of the financial reporting for the last
period but using the indexes, which characterize the prospect of its activity;
– developing the application of
different credit types, that will allow to reduce not only degree of credit
risk but also to cut down the operating bank expenses;
– improving qualities of credit providing, in
particular, to limit the using of non-liquid mortgages. It will allow to reduce
the fate credits’ problem and to improve qualities of credit brief-case on the
whole;
– pursuing an efficient credit policy;
– conducting the efficient credit monitoring of
borrowers. It will give the possibility to decrease authenticity of appearance
of risk and to perfect the crediting process;
– controling a special purpose using of the
given credits out, which have unjustified the high degree of risk or doubtful
aims.
Each
of the offered measures can be used in practical activity of bank, separately
from other one, but only in united their using there is possibility of getting effect
for the increase of efficient management by the credit brief-case of bank. At the end it is necessary to say that
management by the credit brief-case of bank is a very important part of credit
process in bank activity. So why, good credit managers have to use all their
knowledges and experience to make this process more efficient.