Determination of the risk limit for the banks' loans to the economic entities taking into account the industry and regional peculiarities

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dc.contributor.author Yessengeldin, B.S.
dc.contributor.author Komekbayeva, L.S.
dc.contributor.author Kalkabayeva, G.M.
dc.date.accessioned 2018-05-30T04:25:34Z
dc.date.available 2018-05-30T04:25:34Z
dc.date.issued 2018-03-30
dc.identifier.citation Yessengeldin B.S. Determination of the risk limit for the banks' loans to the economic entities taking into account the industry and regional peculiarities/B.S. Yessengeldin, L.S. Komekbayeva, G.M. Kalkabayeva//Қарағанды универисетінің хабаршысы. ЭКОНОМИКА Сериясы.=Вестник Карагандинского университета. Серия ЭКОНОМИКА.=Bulletin of the Karaganda University. ECONOMY Series.-2018. №1.Р.234-245. ru_RU
dc.identifier.uri http://rep.ksu.kz/handle/data/3013
dc.description.abstract This article examines the content of the system of bank lending. In the process of analyzing the current state of bank crediting the special attention is paid to the central problems faced by banks and borrowers, including the high credit risks, lack of long-term credit resources, low availability of the credits for enterprises of the real sector of economy, etc. Limiting the credit risk is considered as the main condition for ensuring credit repayment. Calculation of the credit limit is based on determining the borrower's credit rating using a system of quantitative and qualitative indicators of its activities, taking into account industry and regional characteristics. The proposed method of calculating the credit limit consists of three consecutive stages: evaluation of the creditworthiness of the borrower - is realized by calculation of values of financial indicators by the commercial bank using the data of financial statements of the borrower, comparison of them with normative values and assigning the creditworthiness class to the borrower according to values calculated; definition of credit rating on the basis of estimation of qualitative characteristics of the borrower; calculation of the credit limit with the use of discount rates. ru_RU
dc.language.iso en ru_RU
dc.publisher KSU Publ. ru_RU
dc.relation.ispartofseries Қарағанды универисетінің хабаршысы. ЭКОНОМИКА Сериясы.=Вестник Карагандинского университета. Серия ЭКОНОМИКА.=Bulletin of the Karaganda University. ECONOMY Series.;№ 1(89)/2018
dc.subject banks ru_RU
dc.subject credit ru_RU
dc.subject repayment ru_RU
dc.subject arrears ru_RU
dc.subject credit risk ru_RU
dc.subject limit ru_RU
dc.subject coefficients ru_RU
dc.subject financial condition ru_RU
dc.subject credit policy ru_RU
dc.title Determination of the risk limit for the banks' loans to the economic entities taking into account the industry and regional peculiarities ru_RU
dc.title.alternative Өнеркəсіп пен аймақтық ерекшеліктерді есептеу негізінде шаруашылық субъектілерін банктік кредиттеу кезінде тəуекел лимитін анықтау ru_RU
dc.title.alternative Определение лимита риска при кредитовании банками субъектов экономики с учетом отраслевых и региональных особенностей ru_RU
dc.type Article ru_RU


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