Methodical approaches to assessment of quality of the bank loan portfolio

Tysyachna Yunna S. ()
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Tysyachna Yunna S.: Kharkiv National University of Economics

The Problems of Economy, 2014, issue 1, 278_283

Abstract: The goal of the article lies in the study of basic methodical approaches to assessment of the quality of the bank loan portfolio, identification of specific features of their practical application and justification of selection of the most appropriate for the modern economic conditions. The article considers three main groups of methods of assessment of the quality of the bank loan portfolio: expert evaluation methods and statistical and analytical methods. It goes without saying that in order to obtain an objective assessment of quality of the bank loan portfolio it is necessary to apply a complex approach, however, due to some advantages and shortcomings of the studied methods, the author marks expediency of building an integral indicator, taxonomic in particular, in order to obtain a complex, objective and efficient assessment of the bank loan portfolio. Prospects of further studies in this direction are assessment of the quality of the loan portfolio of the first group banks by the size of their assets through building integral taxonomic indicators and identification, on this basis, of factors that influence the quality of the loan portfolio with the aim of improvement of the mechanism of management of the bank lending activity.

Keywords: quality of the loan portfolio; methods of assessment of quality of the bank loan portfolio; expert evaluation methods; statistical methods; analytical methods (search for similar items in EconPapers)
Date: 2014
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