IMPROVEMENT OF CREDIT METHODOLOGY BY COMMERCIAL BANKS

Name: IMPROVEMENT OF CREDIT METHODOLOGY BY COMMERCIAL BANKS
Brand: LAP LAMBERT Academic Publishing
Availability: OutOfStock
Rating: 5 (1 reviews)

By Ulugbek Khahharov

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Description

This monograph is devoted to the issues of improving the methodology of lending by commercial banks based on modern requirements. The work provides a comparative analysis of the current regulations and international standards (in particular, risk-oriented approaches) in the national banking system, and proposes a unified methodological framework for credit policy, underwriting process and portfolio management. The authors have developed practical recommendations on the cash flow approach to assessing creditworthiness, customer scoring, collateral management, taking into account risk premiums in pricing, a system of limits and the implementation of diversification. The monograph separately covers the criteria for measuring credit risks, the expected loss (ECL) model, the stress testing procedure, rapid testing and monitoring mechanisms in digital products, as well as integration with KYC/AML requirements. Regulatory and legal analysis, statistical and econometric modeling, case studies and expert surveys were used as research methods.

Product details

Binding:: Paperback
Number of Pages:: 132
Release Date:: 2025-10-09
Publication Date:: 2025-10-09
Publisher:: LAP LAMBERT Academic Publishing
Languages:: Original: English
ISBN10:: 6137360644
ISBN13:: 9786137360644
GPSR Manufacturer Reference:: [email protected]
Weight:: 215 g
Height:: 15 cm
Width:: 22 cm
Thickness:: 0.8 cm

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