Methods for managing credit risk of commercial banks

Successful performance of commercial bank depends on efficiency of use of investments made in various assets. Crediting is the most widespread way of using bank resources. The number of the banks, offering consumer, mortgage and car loans, developing special credit programs for the population and the entities promptly grows every day. Rather actively crediting began to develop in Russia in the period since 2012. Through expansion of solvent demand crediting positively influences trade and production, and, eventually, promotes acceleration of rates of economic growth. Credit risk is the most dangerous of bank risks from the point of view of probability of its implementation and weight of its consequences. Improvement of quality of assets for the purpose of minimization of the losses resulting from credit and investing activities is the main component of the credit risk which is subject to regulation. Credit risk arises in case of implementation of factoring transactions, issues of bank guarantees, and also when carrying out transactions in the interbank market. This risk is the most essential to bank as basic incomes are taken from placement of own and borrowed money in the credits and other financial instruments. The Credit committee, which sets the limits allowing to limit the level of a credit risk, manages a credit risk. Process of crediting is inseparably linked with action of a set of risk factors which are capable to entail a complete, or partial default of the loan at the scheduled time. The problem of a credit risk came trudging relevance in modern Russian reality. Determining a capability of the debtor to repay the debt on the loan, a risk degree which the bank undertakes, the loan amount and conditions of its provision, is a main objective and a task of the analysis of creditworthiness. The bank needs to estimate not only solvency of the client for a certain date, but also to predict his financial stability further. All this also causes relevance of a subject of this article.