Optimization imperatives for credit policy in PJSC Sberbank of Russia
Tatiana Gvarliani, Madina Ksanaeva, Madina Alikaeva, Lyudmila Prigoda, Zahid Farrukh Mamedov
Available Online June 2019.
- https://doi.org/10.2991/cssdre-19.2019.45How to use a DOI?
- credit risk, monitoring, gap analysis, duration, model, interest rate risk
- This paper discusses the imperatives of optimizing credit policy of a commercial bank in the dynamically changing conditions of the Russian economy. Currently, there is a growing likelihood of credit risk due to the predominance of long-term lending, while the increase in reserves to cover losses is too expensive. Therefore, the issues of finding ways to optimize credit policy of a commercial bank are urgent. One of such methods in the face of uncertainty is credit risk monitoring and use of remote services. Despite numerous studies by domestic and foreign researchers on the problem of optimizing credit policy, the usage of monitoring in risk management process and remote services are not explored sufficiently. The main objective of this study is to examine the role of monitoring in credit risk management of modern banks activities and improvement of credit policy efficiency through remote banking services. The methods used for research of socio-economic phenomena - abstract and logical, statistical, expert assessments, method of graphical interpretation, methods of absolute, relative and average values, graphical and tabular analysis, allowed the authors to ensure the validity of their estimates and conclusions.
- Open Access
- This is an open access article distributed under the CC BY-NC license.
Cite this article
TY - CONF AU - Tatiana Gvarliani AU - Madina Ksanaeva AU - Madina Alikaeva AU - Lyudmila Prigoda AU - Zahid Farrukh Mamedov PY - 2019/06 DA - 2019/06 TI - Optimization imperatives for credit policy in PJSC Sberbank of Russia BT - Volgograd State University International Scientific Conference "Competitive, Sustainable and Safe Development of the Regional Economy" (CSSDRE 2019) PB - Atlantis Press SP - 224 EP - 229 SN - 2352-5428 UR - https://doi.org/10.2991/cssdre-19.2019.45 DO - https://doi.org/10.2991/cssdre-19.2019.45 ID - Gvarliani2019/06 ER -