Open AccessThe conflict of interests of economic entities and to minimize its consequences by reducing the risks of corporate lending
Author(s) -
Aleksandr Evgenievich Ushanov
Publication year - 2019
Publication title -
problemy analiza riska
Language(s) - English
Resource type - Journals
eISSN - 2658-7882
pISSN - 1812-5220
DOI - 10.32686/1812-5220-2019-16-86-93
Subject(s) - underwriting , loan , business , actuarial science , work (physics) , credit risk , bridge loan , risk analysis (engineering) , finance , non performing loan , engineering , mechanical engineering
This article is devoted to the construction of a risk-oriented model of credit risk reduction in the course of the life cycle of the loan in the provision of a commercial Bank loan to a corporate client. The work demonstrates, firstly, the need to introduce innovative solutions that reduce the risk of non-repayment of the loan by the borrower, and secondly — the mechanism of using such elements of the model as a new system of limits and risk profiles, the Institute of underwriting, IRB-approach to determine the risk category of the application and the body authorized to make.