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Considerations regarding credit portfolio risk management of the banking institution

Author

Listed:
  • Ioan TRENCA
  • Mihail-Dragos BOLOCAN

    (Babes-Bolyai University, Cluj-Napoca)

Abstract

Nowadays, the management of credit portfolio is becoming more and more sophisticated, the evaluation and management techniques are being used on a larger and larger scale in order to respond as efficiently and promptly as possible to the associated risks. Romania is, can we say, “at the beginning” as far as the management and the prevention of the risks caused by the credit portfolio are concerned, “beginning” that is although the result of an already experimented and accumulated experience. Embracing the new and modern credit risk management models presupposes the existence of some databases for a sufficient period of time, regarding the probability of different credit events [1], redeem rates in the case of non-reimbursement. We cannot adopt some management models without taking into consideration the characteristics of our country’s economy. To start with there shall be presented some conceptual perspectives of the credit risk. Afterwards, there shall be described some determining factors in the formation of a credit risk. In the end, there shall be presented the impact of the economic crisis upon lending and, last but not least, upon the credit portfolios of the banking institutions.

Suggested Citation

  • Ioan TRENCA & Mihail-Dragos BOLOCAN, 2010. "Considerations regarding credit portfolio risk management of the banking institution," Finante - provocarile viitorului (Finance - Challenges of the Future), University of Craiova, Faculty of Economics and Business Administration, vol. 1(11), pages 84-90, May.
    • Handle: RePEc:aio:fpvfcf:v:1:y:2010:i:11:p:84-90
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    More about this item

    Keywords

    banking system; banking risk; surveillance; rating systems; credit portfolio; investment;
    All these keywords.

    JEL classification:

    • G01 - Financial Economics - - General - - - Financial Crises
    • G20 - Financial Economics - - Financial Institutions and Services - - - General
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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