Internal credit rating in the management of bank credit risk
In article is about the credit risk in bank activity, and also about reservation as one of methods of its minimization. The basic standard document concerning an order of formation of reserves, namely position 254-P «About a formation order by the credit organizations of reserves on possible losses under loans, on the debts loan and equal to it» is analyzed. During the analysis it is revealed a number of defects in the given position and ways of its improvement and additions regarding formation of reserves at the expense of introduction of additional criterion of estimation are offered. As additional criterion of an estimation of credit risk the internal credit rating of the borrower (bank-counterpart) is offered, which is appropriated on the basis of the qualitative and quantitative analysis.