Theoretical and methodological aspects of the functioning of the problem credit management system in banks

The article examines the theoretical, legislative, normative and methodical foundations of the organization of the problem credit management system in domestic banks. The purpose of the study is to develop the fundamental principles of the functioning of the universal system of problem credit management in Ukrainian banks, which contains a comprehensive nature. The systematization of literary sources and approaches to solving this problem shows that until now there is no single approach to the definition of "problem loans" and their classification in the economic literature and official sources of international financial institutions, in addition, in the current realities of the domestic banking system functioning, there is a need for systematization, clarification and additions to the methods, tools and principles of problem credit management. The urgency of solving this scientific problem lies in the fact that the formed system of problem credit management is comprehensive and universal in nature and will allow domestic banks to increase the effectiveness of existing problem credit debt management systems. The study of the problem covered in the article is carried out in the following logical sequence: definition of the concept of "problem loans" based on the generalization and comparative analysis of approaches interpreted in official sources of international financial institutions and scientific publications of domestic scientists; analysis of the dynamics of the volume and share of non-performing loans in the portfolio of the banking system of Ukraine and identification of the reasons for such changes; development of a problem credit management system, which is comprehensive and universal in nature. The methodological toolkit of the research was a set of complementary methods: generalization and comparative analysis, analysis and synthesis, system analysis, logical generalization, etc. The object of the study is portfolios of problem loans of domestic banks, as well as a set of methods and tools for their management. The article presents the results of a systematic analysis and logical generalization, which serve as the basis for the formation of a system of managing problem loans in banks, which involves a combination of strategy, purpose, principles, stages, methods and tools of the bank's work with problem debt. The results of the study can be useful for domestic banks and are aimed at increasing the efficiency of the organization of work with problem loans in banking structures