Credit Risk Monitoring of Creditor Banks of Agro-Industrial Complex

Stefaniya Onysko, Olha Sholudko () and Ruslana Sodoma ()
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Stefaniya Onysko: Lviv National Agrarian University, Dubliany, Ukraine
Olha Sholudko: Lviv National Agrarian University, Dubliany, Ukraine
Ruslana Sodoma: Lviv National Agrarian University, Dubliany, Ukraine

Oblik i finansi, 2015, issue 3, 108-115

Abstract: The article is to disclosure of methods for determining the scoring of credit risk of banks on the basis of calculation of integral index. There is carried out practical testing of scientific methodology: based on indicators of financial reporting of major banks of Ukraine there is clearly explained the essence of the proposed toolkit to calculate the integral index of bank credit risk on the basis of scoring. The results of these calculations can be used to prevent the probability of credit risk and to strengthen the position of banks in the group of competitors. There are proved that banks lending to agricultural companies often fall into the category of risky creditors. There is analyzed the dominant paradigms and made adjustments to the credit banking policy to reduce credit risk. There is analyzed the current state of the market of bank lending and uncovered steps to monitor credit risk in a bank using the methods of integral index and forming flowchart calculation.

Keywords: bank; credit risk; monitoring; integral indicator; agricultural companies (search for similar items in EconPapers)
JEL-codes: G21 G32 (search for similar items in EconPapers)
Date: 2015
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