Credit Risk Management in Commercial Banks

Student: Garanina Anastasiya

Educational Programme: Economics (Bachelor)

Year of Graduation: 2017

The banking activity carrying out one of its main functions - creating of individuals and legal entities is faces with a number of problems one of which is the formation of qualitative management system of credit risk. The key element of this system is the lender's creditworthiness assessment, which warns the bank against collaboration with a client who is unable to fulfill his credit agreement obligations. The final paper focuses on the most widely spread optimal methods of credit risk assessment and the methods of credit risk control. The aim of this research is the creditworthiness evaluation of an enterprise "Krasnoye Sormovo" which is based on an improved rating models which takes into account both qualitative and quantitative factors of creditworthiness and also modeling of the possibility of bankruptcy.

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