IMPLICATIONS OF CREDIT RISK TRANSFER ON BANK PERFORMANCES
The impact of the financial crisis has demonstrated the fragility of the banking sector and the need to implement new technologies that would allow not only insurance against the most important credit risk - credit risk, but development of lending segment. In such conditions, transfer of credit risk...
| Main Authors: | , |
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| Format: | Article |
| Language: | English |
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National Institute for Economic Research
2015-07-01
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| Series: | Economy and Sociology |
| Subjects: | |
| Online Access: | http://ince.md/uploads/files/1455703880_11.cociug_economie-si-sociologie-nr-3-2015_p87-p95.pdf |
| _version_ | 1823992277443280896 |
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| author | Victoria COCIUG Victoria POSTOLACHE (DOGOTARI) |
| author_facet | Victoria COCIUG Victoria POSTOLACHE (DOGOTARI) |
| author_sort | Victoria COCIUG |
| collection | DOAJ |
| description | The impact of the financial crisis has demonstrated the fragility of the banking sector and the need to implement new technologies that would allow not only insurance against the most important credit risk - credit risk, but development of lending segment. In such conditions, transfer of credit risk is an efficient and actual way to diversify the banks exposure for credit risk by the presence of those who are willing to take on some of this risk. Taking of credit risk can be achieved through credit derivatives, securitization and sale of loans, being selected the most advantageous technique for the bank. The current situation of the national banking sector requires solving the problem of bad loans, which, unfortunately, are increasing, by implementing new techniques for credit risk management according with EU directives. |
| first_indexed | 2024-12-18T16:05:45Z |
| format | Article |
| id | doaj.art-862a555e1e7e4895b2229f660b2dd5c6 |
| institution | Directory Open Access Journal |
| issn | 1857-4130 1857-4130 |
| language | English |
| last_indexed | 2024-12-18T16:05:45Z |
| publishDate | 2015-07-01 |
| publisher | National Institute for Economic Research |
| record_format | Article |
| series | Economy and Sociology |
| spelling | doaj.art-862a555e1e7e4895b2229f660b2dd5c62022-12-21T21:02:13ZengNational Institute for Economic ResearchEconomy and Sociology1857-41301857-41302015-07-01338795IMPLICATIONS OF CREDIT RISK TRANSFER ON BANK PERFORMANCESVictoria COCIUG0Victoria POSTOLACHE (DOGOTARI)1PhD, Associate Professor, Academy of Economic Studies of MoldovaPhD student, Academy of Economic Studies of MoldovaThe impact of the financial crisis has demonstrated the fragility of the banking sector and the need to implement new technologies that would allow not only insurance against the most important credit risk - credit risk, but development of lending segment. In such conditions, transfer of credit risk is an efficient and actual way to diversify the banks exposure for credit risk by the presence of those who are willing to take on some of this risk. Taking of credit risk can be achieved through credit derivatives, securitization and sale of loans, being selected the most advantageous technique for the bank. The current situation of the national banking sector requires solving the problem of bad loans, which, unfortunately, are increasing, by implementing new techniques for credit risk management according with EU directives.http://ince.md/uploads/files/1455703880_11.cociug_economie-si-sociologie-nr-3-2015_p87-p95.pdfcredit risk transfercredit riskcredit derivativesbankprofitability rate loan portfolios. |
| spellingShingle | Victoria COCIUG Victoria POSTOLACHE (DOGOTARI) IMPLICATIONS OF CREDIT RISK TRANSFER ON BANK PERFORMANCES Economy and Sociology credit risk transfer credit risk credit derivatives bank profitability rate loan portfolios. |
| title | IMPLICATIONS OF CREDIT RISK TRANSFER ON BANK PERFORMANCES |
| title_full | IMPLICATIONS OF CREDIT RISK TRANSFER ON BANK PERFORMANCES |
| title_fullStr | IMPLICATIONS OF CREDIT RISK TRANSFER ON BANK PERFORMANCES |
| title_full_unstemmed | IMPLICATIONS OF CREDIT RISK TRANSFER ON BANK PERFORMANCES |
| title_short | IMPLICATIONS OF CREDIT RISK TRANSFER ON BANK PERFORMANCES |
| title_sort | implications of credit risk transfer on bank performances |
| topic | credit risk transfer credit risk credit derivatives bank profitability rate loan portfolios. |
| url | http://ince.md/uploads/files/1455703880_11.cociug_economie-si-sociologie-nr-3-2015_p87-p95.pdf |
| work_keys_str_mv | AT victoriacociug implicationsofcreditrisktransferonbankperformances AT victoriapostolachedogotari implicationsofcreditrisktransferonbankperformances |