Russian Federation
The lending process is one of the fundamental functions of a commercial bank. Lending is inextricably linked to credit risk. Credit risk is the most significant among all the risks of credit institutions, since it is the lending process that is the largest source of income for a credit institution. That is why it is important to be able to timely identify potential credit risks and minimize their impact on banking processes.
credit risk, loan portfolio, risk assessment, risk management, borrowers, insurance, hedging, loan security
1. Sayt Banka Rossii. URL: http://www.cbr.ru/banking_sector/
2. Informacionno-analiticheskiy material «Analiz dinamiki dolgovoy nagruzki naseleniya Rossii v II-III kvartalah 2020 goda na osnove dannyh Byuro kreditnyh istoriy». URL: http://www.cbr.ru/collection/collection/file/31945/review_03022021.pdf
3. Obzor finansovoy stabil'nosti IV kvartal 2020 - I kvartal 2021 URL: http://www.cbr.ru/collection/collection/file/33327/ofs_21-1.pdf
4. Polozhenie Banka Rossii ot 28 iyunya 2017 g. № 590-P «O poryadke formirovaniya kreditnymi organizaciyami rezervov na vozmozhnye poteri po ssudam, ssudnoy i priravnennoy k ney zadolzhennosti» (s izmeneniyami i dopolneniyami)
5. Ukazanie Banka Rossii ot 15.04.2015 № 3624-U (red. ot 08.04.2020) "O trebovaniyah k sisteme upravleniya riskami i kapitalom kreditnoy organizacii i bankovskoy gruppy"
6. Aliev S.N. Sovremennye metody minimizacii kreditnyh riskov // Molodoy uchenyy. - 2016. - № 20 (124). - S. 244-250.
7. Kazmalova O.N., Hovaeva N.N. Kreditnye riski bankov i sposoby ih minimizacii // Rabochaya tetrad', Permskiy finansovo-ekonomicheskiy kolledzh - filial Finuniversiteta, Perm', 2018
