CREDIT RISK: CURRENT ISSUES MANAGEMENT
The paper attempts to formalizing economic category of «credit risk» by constructing the logical structure of this concept on the basis of its constituent components and methods of management. To achieve the goal are considered currently existing differences in theoretical approaches to the definition of «risk»: understanding risk as an event, activity or performance results of operations, business environment, a tool for management decisions. Studied formally adopted the interpretation of the basic terms of risk management. Risk management issues in recent years become increasingly popular from the point of view of both theory and practical application. Currently, the Bank of Russia is a policy of full-scale implementation of the international Basel agreements into domestic legislation and the practice of banks in Russia. As part of the new approaches defined by Basel 2 and Basel 3, considerable attention is paid to the requirements of the banking systems of risk assessment and management, and methods of calculating the capital adequacy of banks, taking into account the riskiness of their activities. Significant gain attention of the world of finance their risks can serve as an indicator of increasing the riskiness of economic activity in general. One of the most significant economic risks of our time, according to experts, is credit risk. The risk management system integrated into the activities of the economic entity, it is an objective necessity of the current stage of economic development. The basis for the construction of any control system is the structuring and formalization of the domain, build a model of the control object. In matters related to risk management, which determines the importance of economic modeling risk category. One approach to building risk models could be a description of its components.