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Perception of the Term “Collateral Portfolio”: Modern Aspect

Alexander A. Tischenko ()
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Alexander A. Tischenko: Ural Branch of the Russian Academy of Sciences, Ekaterinburg 620026, Russia

Finansovyj žhurnal — Financial Journal, 2019, issue 4, 116-129

Abstract: The credit relations developed under changes in the technological structure have led to re-consideration and re-definition of the terminology employed in banking. The article describes the domestic and international experience of using the term “collateral portfolio” and defines the essence of its main constituent elements. The author analyzes the historical aspect of development of collateral relations and reveals the role of collateral in the systems of civil and socio-economic relations. The forms of perception of the term in the banking sector at present, which arose under the influence of digital technologies, are determined. As a result, the author has defined the term “collateral portfolio”, expanding the potential of its application from the perspective of the modern vision of credit and security relations. The resulting definition provides an opportunity to consider the full range of options for the use of the collateral portfolio within the framework of cyber-physical systems and would allow one to fully use the portfolio theory, fundamental and technical analysis, as well as other modern tools in its management. In addition, the article reveals the distinctive features of the term “collateral portfolio”, which is different from the terms “collateral pool”, “collateral assets” or “collateral mass”. This approach made it possible not only to distinguish the studied term among similar ones and eliminate the discrepancies in definitions, but also to form a clearer concept of the term, which will provide researchers with the opportunity to accurately understand the boundaries of the phenomenon under study, and not define them each time it is used.

Keywords: economic terminology; term collateral portfolio; collateral mass; collateral pool; essence of collateral; collateral relations; loan security (search for similar items in EconPapers)
JEL-codes: G21 (search for similar items in EconPapers)
Date: 2019
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DOI: 10.31107/2075-1990-2019-4-116-129

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