Credit risk management in banks from the perspective of jurisprudence
The level, structure and nature of problem loans are a significant source of credit risk in the banking business, with the main reason for developing and increasing problem loans indicate the need for a comprehensive and strategic approach to solving them. In addition, the accumulation of problem lo...
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| Format: | Article |
| Language: | English |
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Faculty of Law, Niš
2017-01-01
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| Series: | Zbornik Radova Pravnog Fakulteta u Nišu |
| Subjects: | |
| Online Access: | http://scindeks-clanci.ceon.rs/data/pdf/0350-8501/2017/0350-85011775095S.pdf |
| _version_ | 1818922324213104640 |
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| author | Sovilj Ranko |
| author_facet | Sovilj Ranko |
| author_sort | Sovilj Ranko |
| collection | DOAJ |
| description | The level, structure and nature of problem loans are a significant source of credit risk in the banking business, with the main reason for developing and increasing problem loans indicate the need for a comprehensive and strategic approach to solving them. In addition, the accumulation of problem loans in banks' balance sheets negatively affects the credit activity of banks and, consequently has a negative impact on economic activity, primarily due to reduced availability of possible sources of financing both for companies and for the population. One of the main reasons for the increased credit risk exposure of banks, especially before the outbreak of the subprime crisis, are less developed models for evaluation and measurement of credit risk, as well as a poor assessment of collateral. Therefore, this paper points out to the importance of careful management of credit risk as well as the need to develop appropriate methods and models for the early detection of problem loans and reducing exposure to credit risk. In the last part of the paper, the author provides an overview of the most important collaterals, with specific reference to domestic jurisprudence. |
| first_indexed | 2024-12-20T01:51:44Z |
| format | Article |
| id | doaj.art-8089e6ca3a61492ebe830c506ca453ea |
| institution | Directory Open Access Journal |
| issn | 0350-8501 2560-3116 |
| language | English |
| last_indexed | 2024-12-20T01:51:44Z |
| publishDate | 2017-01-01 |
| publisher | Faculty of Law, Niš |
| record_format | Article |
| series | Zbornik Radova Pravnog Fakulteta u Nišu |
| spelling | doaj.art-8089e6ca3a61492ebe830c506ca453ea2022-12-21T19:57:37ZengFaculty of Law, NišZbornik Radova Pravnog Fakulteta u Nišu0350-85012560-31162017-01-0156759510610.5937/zrpfni1775095S0350-85011775095SCredit risk management in banks from the perspective of jurisprudenceSovilj Ranko0Institute of Social Sciences, Belgrade, SerbiaThe level, structure and nature of problem loans are a significant source of credit risk in the banking business, with the main reason for developing and increasing problem loans indicate the need for a comprehensive and strategic approach to solving them. In addition, the accumulation of problem loans in banks' balance sheets negatively affects the credit activity of banks and, consequently has a negative impact on economic activity, primarily due to reduced availability of possible sources of financing both for companies and for the population. One of the main reasons for the increased credit risk exposure of banks, especially before the outbreak of the subprime crisis, are less developed models for evaluation and measurement of credit risk, as well as a poor assessment of collateral. Therefore, this paper points out to the importance of careful management of credit risk as well as the need to develop appropriate methods and models for the early detection of problem loans and reducing exposure to credit risk. In the last part of the paper, the author provides an overview of the most important collaterals, with specific reference to domestic jurisprudence.http://scindeks-clanci.ceon.rs/data/pdf/0350-8501/2017/0350-85011775095S.pdfbankcredit riskcredit risk managementcollateral |
| spellingShingle | Sovilj Ranko Credit risk management in banks from the perspective of jurisprudence Zbornik Radova Pravnog Fakulteta u Nišu bank credit risk credit risk management collateral |
| title | Credit risk management in banks from the perspective of jurisprudence |
| title_full | Credit risk management in banks from the perspective of jurisprudence |
| title_fullStr | Credit risk management in banks from the perspective of jurisprudence |
| title_full_unstemmed | Credit risk management in banks from the perspective of jurisprudence |
| title_short | Credit risk management in banks from the perspective of jurisprudence |
| title_sort | credit risk management in banks from the perspective of jurisprudence |
| topic | bank credit risk credit risk management collateral |
| url | http://scindeks-clanci.ceon.rs/data/pdf/0350-8501/2017/0350-85011775095S.pdf |
| work_keys_str_mv | AT soviljranko creditriskmanagementinbanksfromtheperspectiveofjurisprudence |