ORGANIZATION OF CORPORATE CREDIT MANAGEMENT IN THE BANK
Main Article Content
Abstract
Introduction. In the conditions of market transformations for service credit needs of the economy becomes important formation of efficiently credit potential of banks and the banking system as a whole. Modern trends in bank lending in Ukraine needs to improve the quality and structure of loan assets of the banks.
The high credit risk - is the most important factor holding back the development of credit activity of the banks. The main criterion for determining the quality of lending - is the quality of credit risk management. Thus, in a market environment and competition an effective credit risk management of the banks becomes of paramount importance.
The corporate management aims to protect the interests of a depositors and minimizing of asymmetry awareness among the management bodies of the bank, its owners and customers. These purposes are generally achievable using deposit insurance, the capital adequacy requirements, the disclosure requirements (regarding products, services and financial statements), an internal controls and an oversight in the optimum extent.
Purpose. The article is to analyze the process of corporate credit management of the bank.
Methods. In the process for General knowledge of the object of research we used the methodology of system analysis, which allowed to unite the progressive developments of classical and contemporary researchers in the questions of corporate credit management in the bank. The totality of the used methodological framework has allowed to provide the ultimate accuracy and validity of the findings and practical solutions.
Results. Disclosed of the effect of corporate credit management on the credit risks in the bank. The peculiarities of credit risk management at the macro and micro levels have determined. It is proved the dependence between the quality of the credit assets and the performance credit management.
Originality. According to the materials of article proved that the improvement of corporate credit management in the bank is closely linked with amendment banking credit policy. It is determined that increasing the efficiency of corporate credit management is achieved through better coordination of the strategic and the tactical decisions concerning management of the credit risks in a bank.
Conclusion. Thus, the Ukrainian banks to improve their competitiveness, along with foreign financial-credit institutions need to increase their level of the corporate management and establish the selection of the reliable borrowers. At the same time the enterprises that consider improvement of corporate management serious factor in improving their capitalization expect from their financial partners equally serious attitude to this important issue.
Article Details
The authors published in this journal agree with following conditions:
1. The authors reserve to themselves the right to the authorship of their works and transfer the right of their first publication to the journal on the terms of Creatіve Common Attrіbutіon Lіcense which allows to freely extend to other persons the published work with an obligatory reference to the authors of the original work and its first publication in this journal.
2. The authors have the right to complete independent additional agreements concerning the not exclusive distribution of their work in the form in which it was published in this journal (for example, to place the work in the electronic storehouse of an establishment or to publish as a monograph component), under the condition of the preservation of the reference to the first publication of the work in this journal.
3. The journal’s policy allows and encourage the authors to place their manuscripts into the Internet (for example, in depositories of establishments or on personal web-sites) either before submitting of the manuscript for publication or during its editorial processing as it assists the occurrence of a productive scientific discussion and positively affects the efficiency and dynamics of citing of the published work.
AGREEMENT
ABOUT TRANSMISSION OF COPYRIGHT
I, the author of the article / We, the authors of the manuscript _______________________________________________________________________
in case of its acceptance for publication, we transfer the following rights to the founders and editorial boards of the scientific publication "BULLETIN OF THE CHERKASY BOHDAN KHMELNYTSKY NATIONAL UNIVERSITY. ECONOMIC SCIENCES. SERIES "ECONOMIC SCIENCES":
1. Publication of this article in Ukrainian (English, Russian, Polish) and distribution of its printed version.
2. Dissemination of the electronic version of the article through any electronic means (placing on the official journal web site, in electronic databases, repositories, etc.).
At the same time we reserve the right without consent of the editorial board and the founders:
1. Use the materials of the article in whole or in part for educational purposes.
2. To use the materials of the article in whole or in part for writing your own theses.
3. Use article materials to prepare abstracts, conference reports, and oral presentations.
4. Post electronic copies of the article (including the final electronic version downloaded from the journal's official website) to:
a. personal web-pecypcax of all authors (web sites, web pages, blogs, etc.);
b. web-pecypcax of the institutions where the authors work (including electronic institutional repositories);
with. non-profit, open-source web-pecypcax (such as arXiv.org).
With this agreement, we also certify that the submitted manuscript meets the following criteria:
1. Does not contain calls for violence, incitement of racial or ethnic enmity, which are disturbing, threatening, shameful, libelous, cruel, indecent, vulgar, etc.
2. Does not infringe the copyrights and intellectual property rights of others or organizations; contains all the references to the cited authors and / or publications envisaged by applicable copyright law, as well as the results and facts used in the article by other authors or organizations.
3. It has not been previously published in other publishers and has not been published in other publications.
4. Does not include materials that are not subject to publication in the open press, in accordance with applicable law.
____________________ ___________________
First name, Last name, signature of the author
"___" __________ 20__
References
Horal'ko, O. V. (2011). Vykorystannya mizhnarodnoho dosvidu u zmenshenni ryzykovanosti bankivs'koyi diyal'nosti ta zabezpechenni finansovoyi bezpeky. Nauk. visn. L'viv. derzh. un-tu vnutr. Sprav, 1. 60-67. (in Ukr).
Kovalenko ,V.V. (2010). Ryzyk menedzhment v systemi stratehichnoho upravlinnya finansovoyu stiykistyu bankivs'koyi systemy. Visnyk Ukrayins'koyi akademiyi bankivs'koyi spravy, 1(28), 33-38. (in Ukr).
Krotyuk, V. L.(2005). Evolyutsiya pidkhodiv do otsinky kapitalu v Bazel's'kykh uhodakh. Bankivs'ka sprava, 4. 3-10. (in Ukr).
[Legal Act of Ukraine] (2004). Retrived from: http://www.zakon.rada.gov.ua
[Legal Act of Ukraine] (2007). Retrived from: http://www.zakon.rada.gov.ua
[Legal Act of Ukraine] (2004). Retrived from: http://www.zakon.rada.gov.ua
Musiyets', T.V., Mel'nyk, D.S. (2012). Upravlinnya finansovymy ryzykamy yak chastyna systemy stratehichnoho planuvannya banku. Investytsiyi:praktyka ta dosvid, 10, 52-57. (in Ukr).
Skasko, O. I. (2014). Udoskonalennya systemy upravlinnya ryzykamy v bankakh Ukrayiny. Biznes Inform, 1, 274-279. (in Ukr).
Khab’yuk, O. M. (2008). Bankivs'ke rehulyuvannya ta nahlyad cherez pryzmu rekomendatsiy Bazel's'koho komitetu: Monohrafiy. Ivano-Frankivs'k : OIPPO. (in Ukr).
Shyrynskaya, E. B. (2005). Operatsyy kommercheskykh bankov : rossyyskyy y zarubezhnyy opyt. M. : Fynansy y statystyka. (in Rus).