Современный аспект восприятия термина «залоговый портфель»

Abstract

The tendencies in the development of credit relations formed in the conditions of changing the technological structure create in the banking sector the need to rethink and update the conceptual apparatus. The article considers domestic and international experience in applying the term “collateral portfolio” and defines the essence of the main constituent elements of this term. The author analyzed the historical aspect of the formation of collateral relations and revealed the role of collateral in the framework of civil law and socio-economic systems. The forms of perception of the considered term at the present stage of development of the banking sector, which have arisen under the influence of digital technologies, have been determined. As a result, the author has formulated the concept of the term “collateral portfolio”, which expands the potential of its use from the perspective of the modern aspect of credit and security relations. The resulting concept will provide an opportunity to consider the whole range of options for applying a pledged portfolio within cyber-physical systems and make full use of portfolio theory, fundamental and technical analysis, as well as other modern tools, while managing them. In addition, the article identifies the distinctive features of the term “pledged portfolio” from similar in terms of the terms “pledged pool”, “pledged assets” or “pledged mass”. Such an approach allowed not only to distinguish the studied term from similar ones and to eliminate the discord of definition, but also to form a clearer perception of the term, which will give scientists the opportunity to accurately understand the boundaries of the phenomenon under study, rather than defining them again every time.