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The Study of Credit Policy of Commercial Bank

Student: Sukhorukov Oleg

Supervisor: Valentina V. Sofronova

Faculty: Faculty of Economics

Educational Programme: Economics (Bachelor)

Year of Graduation: 2018

The complex development of theoretical and practical aspects of the formation and implementation of the credit policy of a commercial bank is an important problem in the banking sector. Each banking organization needs to understand the level of risk that it is worth going to get a certain amount of profit. Therefore, it is necessary to conduct an adequate credit policy for an optimum parity of these aspects. The purpose of this work is to study the credit policies of commercial banks and their impact on changes in loan portfolios. The tasks of the work are: • study the theoretical bases of the credit policy of a commercial bank; • analyze credit portfolios and policies of commercial banks such as «Sberbank», «Alfa-Bank», «Gazprombank», «Russian Standard», «Promsvyazbank»; • determine the main directions for improving the credit policy of a commercial bank; • develop an algorithm for assessing the quality of the loan portfolio of «Bank X»; • analyze the possibilities for expanding the credit policy of a commercial bank through the introduction of a new loan product.

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