Abstract
One of the main problems when crediting innovative projects by commercial banks is risk assessment. For this purpose project risks are classified according to sign a source of emergence of risk. According to the obtained data are considered: risks of the innovative project, risks of the company implementer. Further, create the general group risk factors of bank lending of innovative projects. For carrying out quantitative assessment of the revealed risks of bank lending of innovative projects the method of expert evaluation in which empirical scales of risk level are established is used. Also take into account the requirements of the CBR and the proposed method of risk assessment to Fund this innovative project, which introduces correction of the calculated minimum reserve for possible losses on the loan taking into account the stage of implementation of innovative project. The received results allow to use two schemes of crediting for the purposes of implementation of innovative projects. The first - without payment deferral on interest payment when the loan is granted on the purpose of implementation of the innovative project of the company with good or average financial position and debt servicing, positive credit history and experience of implementation of innovative projects. The second - with payment deferral on interest payment when the loan is granted to the new company created especially for implementation of the innovative project, or the company which has not enough means for interest payment and implementation of the innovative project will allow to improve its financial position considerably. Practical use of the offered method allows to carry out adequate assessment of credit deal with the increased risk and to develop the segment of banking activity connected with crediting of innovative projects.
Highlights
Статистики о реальных объемах кредитов, выданных на цели реализации инновационных проектов
Risk of receiving unreliable information about results research and de- Rospatent filed an application for a patent средний middle
The risk connected with uncertainty of originality of the idea of crea- There is an analog more expensive средний middle
Summary
На основе анализа процессов кредитования коммерческими банками инновационных проектов выявлено, что необходимо учитывать риски, присущие самому инновационному проекту, риски компании, реализующей данный проект, и кредитные риски коммерческого банка. Кредитные риски коммерческого банка обусловлены успешностью реализации инновационного проекта и кредитоспособностью компании, реализующей его, то есть они связаны с вероятностью возникновения убытков банка в результате неисполнения заемщиками своих обязательств по уплате процентов и основного долга согласно условиям кредитного договора. Разработана классификация рисков в соответствии с признаком«источник возникновения риска» с позиции банка-кредитора, что в последствие позволяет сформировать общую группу риск-факторов банковского кредитования инновационных проектов. Классификация риск-факторов по признаку«источник возникновения риска», их содержание и коэффициенты весомости
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