Russian Federation
St. Petersburg, Russian Federation
UDC 33
Effective credit risk management ensures the stability of the financial system, playing a key role in minimizing losses. The article discusses the methods of credit risk assessment in the banking system of Russian Federation. The purpose of the study is to analyze existing approaches to credit risk assessment and explore the potential for implementing innovative methods and technologies. Qualitative and quantitative approaches are described, existing international standards are reviewed, and a comparative analysis of foreign and domestic credit risk management practices is conducted. The article discusses the prospects of integrating artificial intelligence, machine learning, and big data analysis technologies. The main research methods included system analysis, forecasting, and expert evaluation. The results highlight the necessity of developing new comprehensive models that consider the specifics of the Russian market to create more effective risk management strategies.
credit risk, assessment methods, credit portfolio, risk management, modeling, management strategy, risk minimization
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