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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/

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Библиографический список

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