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Some aspects of the management of the concentration risk of loans per group of related borrowers

Ushanov Alexander Y.  (Financial University under the Government of the Russian Federation, Moscow, Russian Federation)

The issues of risk management in lending by banks to related borrowers are of particular importance and relevance, as the probability of a disproportionate distribution of assets between clients increases the concentration of risk in the loan portfolio. The effectiveness of credit transactions and, accordingly, the profitability of Bank lending depends not only on compliance with the criteria for assigning a borrower to a group of related companies, but also on the quality of credit risk management of the group. The article deals with the system of credit risk management of a group of related borrowers based on the principle of materiality of mutual influence of cash flows of the group companies

Keywords:concentration of credit risk, the group of related borrowers, the analysis group, the borrower rating, the rating of the group.
 

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Citation link:
Ushanov A. Y. Some aspects of the management of the concentration risk of loans per group of related borrowers // Современная наука: актуальные проблемы теории и практики. Серия: ЭКОНОМИКА и ПРАВО. -2018. -№04. -С. 106-110
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