Главная страница » Публикации » 2020 » #3 (93) » Credit risk control for small businesses based on the theory of incentives and restrictions

Credit risk control for small businesses based on the theory of incentives and restrictions

Financial Management
Credit risk control for small businesses based on the theory of incentives and restrictions

Авторы

Криони Ольга Валерьевна
кандидат технических наук, доцент кафедры финансов и экономического анализа
Россия, Уфимский государственный авиационный технический университет
yufir@yandex.ru
Абдуллина Юлия Фирдаусовна
магистрант
Россия, Уфимский государственный авиационный технический университет

Аннотация

This article analyzes the relevant theories of incentives and constraints based on the use of an instrument to mitigate credit risk, including collateral, guarantees, offsetting, and credit derivatives. Relevant incentive and constraint theories include principal-agent theory, mechanism design theory, and incentive theory. Incentive restrictions in small business loans are categorized into pre-loan pre-signal check and post-loan moral hazard suppression. The use of these mitigation tools can not only effectively reduce or transfer the credit risk incurred by banks, but also reduce the capital employed in calculating regulatory economic capital.

Ключевые слова

commercial banks, small business, credit risk, incentives and constraints theory, principal-agent theory, mechanism design theory.

Рекомендуемая ссылка

Криони Ольга Валерьевна, Абдуллина Юлия Фирдаусовна. Credit risk control for small businesses based on the theory of incentives and restrictions // Современные технологии управления. ISSN 2226-9339. — #3 (93). Номер статьи: 9317. Дата публикации: 29.12.2020. Режим доступа: https://sovman.ru/en/article/9317/

Authors

Krioni Olga Valeryevna
Candidate of Technical Sciences, Associate Professor of the Department of Finance and Economic Analysis
Russia, Ufa State Aviation Technical University
yufir@yandex.ru
Abdullina Yulia Firdausovna
undergraduate
Russia, Ufa State Aviation Technical University

Abstract

Keywords

Suggested citation

Krioni Olga Valeryevna, Abdullina Yulia Firdausovna. // Modern Management Technology. ISSN 2226-9339. — #3 (93). Art. #  9317. Date issued: 29.12.2020. Available at: https://sovman.ru/en/article/9317/

Only Russian

Print Friendly, PDF & Email
Оправить мне на email статью

Читайте также

Депозитная политика системообразующих и региональных банков России в период экономической нестабильности
Налоговое администрирование: теоретические подходы к определению понятия
Отчет по учебной практике “Министерство финансов Российской Федерации”
Статья “Иллюстрация технологии блокчейн и оценка влияния цифровых валют на финансовый менеджмент на примере Казахстана”
Статья “Системообразующие и региональные банки России во время экономической нестабильности: депозитная политика”

Библиографический список

  1. Krioni, Olga, Pashcenko, Svetlana, Pashcenko, Nikolay. Financial risk management. Proceedings of the international conference on trends of technologies and innovations in economic and social studies 2017. AEBMR-Advances in Economics Business and Management Research. 2017. – T: 38 – S. – 512-517.
  2. Vorokov, A.L. Modern problems of accounting for the moral risks of commercial banks [Sovremennyye problemy ucheta moral’nykh riskov kommercheskikh bankov]/ A.L. Vorokov // In the collection: Fundamental science and technology – promising developments. Materials of the VI International Scientific and Practical Conference Fundamental Science and Technology – Promising Developments. n.-i. c. “Academic”. – 2015 .– S. 304-308
  3. Theoretical foundations of risk assessment [Electronic resource]: a textbook for full-time and part-time students studying in the direction of training specialists 38.05.01 “Economic security” [Teoreticheskiye osnovy otsenki riskov [Elektronnyy resurs]: uchebnoye posobiye dlya studentov ochnoy i zaochnoy form obucheniya, obuchayushchikhsya po napravleniyu podgotovki spetsialistov 38.05.01 “Ekonomicheskaya bezopasnost'”]/ Yu. T. Mansurova, PA Tuktarova, GR Telyavlina [and others]; Ufa State Aviation Technical University (USATU). – Electronic text data – Ufa: USATU, 2019, http://e-library.ufarb.ru/dl/lib_net_r/Mansurova_Yu_T_Teor_osn_otsenk_risk_2019.pdf/info
  4. Belyakov, A.V. Banking risks: problems of accounting, management and regulation [Bankovskiye riski: problemy ucheta, upravleniya i regulirovaniya]/ A.B. Belyakov. – M .: Publishing group “BDC-press”, 2003.-258 p.
  5. Volkov, A.A. Risk management in a commercial bank [Upravleniye riskami v kommercheskom banke]. – M .: Omega-L, 2012 .– 160 p.
  6. Maslova, K.N. (2013). The essence of integrated banking risk management [Sushchnost’ integrirovannogo upravleniya bankovskimi riskami]// Russian Entrepreneurship, No. 8 (230), p. 27–38.
  7. Risk management in a commercial bank [Risk-menedzhment v kommercheskom banke]. – M .: KnoRus, 2014 .– 456 p.

Leave a Reply

Your email address will not be published. Required fields are marked *

Shopping Cart
Scroll to Top