CREDIT RISK MANAGEMENT AS THE CORE BACKGROUND AND ELEMENT OF CREDIT MECHANISM IN UNSTABLE ECONOMIC CONDITIONS
( Pp. 334-338)

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Ter-Karapetov Roman Arturovich aspirant.
Russian Economic University named after G.V. Plekhanov
Abstract:
Analysis of scientific papers (T. Ryze, B. Coyle, Sh. Richards, H. von Gruening, S. Brajovic-Branatovich, V. Galitzin, I. Bushueva, V. Vitlinsky, I. Voloshin, J. Nakonechniy, I. Voschilo, S. Savchuk, I. Balabanov, P. Barolo, V. Bocharov, G. Braley, J. Tuffler, J. Depaliane, E. Cohen, B. Colaase, V. Radaev etc.) upon this issue suggests that there is a lack of enough scientific consensus on the definition of credit risk management as the main precondition and the element of bank credit mechanism. Therefore the aim of the article is to clarify the scientific rationale and the main tasks of key components and kittools for the managing and the identifying of credit risk as the main precondition and the element of credit mechanism in unstable economic conditions. The study is based on the application of such scientific and special methods (synthesis and analysis, induction, abstract logical), and approaches (abstract logical and monographic) to the study. Source of scientific material became only the theoretical achievements of scientists in relation to credit risk management as the main element of the background and credit mechanism commercial bank. Consistent achievement of the scientific aim brings the ground for using the scientifically sound conclusions obtained for determining priorities for the bank credit mechanism organization and for designing new subject-object links in banking. The paper has updated and scientifically sound basic tasks, key components and tools of managing and of identifying the credit risks as the core element of background and credit mechanism in unstable economic conditions. Has been defined strategies for credit risk management in the context of bank credit facility. Has been concluded that the management of credit risk has a dominant trend in the banking management system and its activity is closely linked with the credit mechanisms. It requires an integrated approach to operation of bank credit mechanism. Also need to ensure a systemic interaction of all departments of the bank that spend, regulate and control the process of lending being based on total subordination of their joint action with the strategic objectives and tactical objectives of the bank.
How to Cite:
Ter-Karapetov R.A., (2014), CREDIT RISK MANAGEMENT AS THE CORE BACKGROUND AND ELEMENT OF CREDIT MECHANISM IN UNSTABLE ECONOMIC CONDITIONS. Gaps in Russian Legislation, 2 => 334-338.
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Keywords:
dynamic credit risk, identification of credit risks, credit mechanism, the structure of the mechanism, credit risk management, financial regulation.


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