Концепція вдосконалення оцінки якості кредитного портфеля в управлінні кредитною діяльністю банку

Abstract

The article defines the quality of the loan portfolio as a favorable state of its structure, in which the banking institution will be able to ensure maximum profitability with a minimum level of credit risk and optimal liquidity of the bank's balance sheet. The dynamics of non-performing assets was studied and the banks with the largest share in the loan portfolio were identified. The necessity of more effective credit risk management and the expediency of assessing the quality of the bank's loan portfolio are substantiated. The concept of improving the assessment of the quality of the loan portfolio in the management of the bank's credit activities has been developed, the implementation of which will increase the efficiency of its activities and contribute to the development of the country's banking system.The article emphasizes that the concept of improving the quality of the loan portfolio in the management of credit activities of the bank - a holistic system of theoretical and methodological views on the nature, purpose, objectives and principles of assessing the quality of the loan portfolio in the management of credit activities, as well as organizational and practical approaches to the formation of the mechanism of its implementation in specific conditions. Factors that affect the level of quality of the loan portfolio are identified. Substantiation of the stages of formation of the bank's lending activity, which will allow the banking institution to implement the concept of improving the assessment of the quality of the loan portfolio in the management of the bank's lending activities in full.