\u0420\u043e\u0437\u0448\u0438\u0440\u0435\u043d\u0430 \u0430\u043d\u043e\u0442\u0430\u0446\u0456\u044f \u0430\u043d\u0433\u043b\u0456\u0439\u0441\u044c\u043a\u043e\u044e \u043c\u043e\u0432\u043e\u044e.<\/strong><\/p>\nThe negative consequences of the financial crisis, political instability, which significantly weakened the banking system of Ukraine, revealed the unwillingness of most banking institutions to promptly and adequately adjust credit policy to find the optimal balance between customer needs for credit resources, lending risks, liquidity requirements, collateral requirements credit funds of business entities with real assets, etc. The processes of internationalization and globalization in the financial market exacerbate the need to reassess the role and place of credit risk management of banking institutions in the overall system of ensuring their financial stability. At the same time, banks currently incur significant losses in the absence of effective risk management systems that would identify, quantify risk, continuously monitor and control risk using modern tools based on early warning systems. Despite the measures taken by banks to reduce credit risk in their activities, the problem of improving the quality of loan portfolios of domestic banks remains unresolved, which hinders lending to the economy and negatively affects the efficiency and stability of banking in the context of profitability, liquidity, reliability (risk minimization) and development on an innovative basis. This necessitates a reassessment of theoretical and methodological approaches to credit risk management to implement the strategic and tactical goals of ensuring the financial stability of both the individual banking institution and the banking system as a whole.<\/p>\n
The authors analyze different approaches to determining the nature of credit risks. the reasons of their occurrence and ways of elimination are defined. According to the results of the analysis of a large array of statistical material, the number of problem loans in the loan portfolios of most banks in Ukraine has been increasing in recent years, which increases the risk of reducing their resource potential and deteriorating loan portfolios. Based on the study, it can be argued that the level of credit risk of the domestic banking sector is extremely high and negatively affects the stability of the entire banking system and the economy as a whole. The reasons for this situation in the domestic banking system are various, including economic crises, low solvency, high real interest rates on loans that not every borrower can handle, high credit risk, which requires banks to form additional reserves for such loans. and this in turn reduces the equity of banks. Thus, banks should be more active in resolving problem loans, using debt restructuring and write-off mechanisms and other methods of credit risk optimization. The article emphasizes that for the effective functioning of the bank, credit risk should be perceived not only as the probability of a negative event and as a danger, but as an activity aimed at generating income. This vision of credit risk will ensure quality management at the initial stage of the bank’s relationship with the client.<\/p>\n
\u041a\u043b\u044e\u0447\u043e\u0432\u0456 \u0441\u043b\u043e\u0432\u0430:<\/strong> \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u0438\u0439 \u0440\u0438\u0437\u0438\u043a, \u0431\u0430\u043d\u043a\u0456\u0432\u0441\u044c\u043a\u0430 \u0443\u0441\u0442\u0430\u043d\u043e\u0432\u0430, \u043a\u0440\u0435\u0434\u0438\u0442, \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u0438\u0439 \u043f\u043e\u0440\u0442\u0444\u0435\u043b\u044c.<\/p>\nReferences.<\/strong><\/p>\n1. Vovchak O.D. Poniattia kredytnoho ryzyku v bankivskii systemi Ukrainy \/ O.D. Vovchak, M.P. Onufriienko \/\/ Naukovyi visnyk Khersonskoho derzhavnoho universytetu. \u2013 2014. \u2013 Vyp.8. \u2013 S. 171\u2013174.
\n2. Aktyvy ta pasyvy bankiv Ukrainy za 2008-2020 roky [Elektronnyi resurs]. \u2013 Rezhym dostupu :
\nhttps:\/\/index.minfin.com.ua\/banks\/stat\/active\/
\n3. Dziubliuk O.V. Kredytnyi ryzyk i efektyvnist diialnosti banku : monohrafiia \/ O.V. Dziubliuk, L.M. Pryidun. \u2013 Ternopil : FOP Palianytsia V.A., 2015. \u2013 295 s.
\n4. Zvit pro finansovu stabilnist za hruden 2019 roku. Karta ryzykiv bankivskoho sektoru. Natsionalnyi bank Ukrainy [Elektronnyi resurs]. \u2013 Rezhym dostupu : https:\/\/bank.gov.ua\/admin_uploads\/article\/FSR_2019-H2.pdf?v=4
\n5. Osnovni pokaznyky diialnosti bankiv Ukrainy za 2008\u20132019 roky. Natsionalnyi bank Ukrainy [Elektronnyi resurs]. \u2013 Rezhym dostupu : https:\/\/bank.gov.ua\/ua\/statistic\/supervision-statist\/data-supervision#1
\n6. Prychyny i rezultaty \u00abvelykoho bankivskoho ochyshchennia\u00bb. Spetsproekt NBU [Elektronnyi resurs]. \u2013 Rezhym dostupu : https:\/\/badbanks.bank.gov.ua\/
\n7. Pro zatverdzhennia Polozhennia pro vyznachennia bankamy Ukrainy rozmiru kredytnoho ryzyku za aktyvnymy bankivskymy operatsiiamy : postanova Pravlinnia NBU vid 30.06.2016 \u2116 351 [Elektronnyi resurs]. \u2013 Rezhym dostupu :
\nhttp:\/\/zakon2.rada.gov.ua\/laws\/show\/v0351500-16.
\n8. Riven nepratsiuiuchykh kredytiv (NPLs). Natsionalnyi bank Ukrainy. [Elektronnyi resurs]. \u2013 Rezhym dostupu :
\nhttps:\/\/bank.gov.ua\/ua\/stability\/npl
\n9. Znachennia ekonomichnykh normatyviv po systemi bankiv Ukrainy. Natsionalnyi bank Ukrainy [Elektronnyi resurs]. \u2013 Rezhym dostupu : https:\/\/bank.gov.ua\/ua\/statistic\/supervision-statist\/data-supervision#1
\n10. Bodnar O.A. Upravlinnia ta zasoby minimizatsii kredytnoho ryzyku banku \/ O.A. Bodnar, K.V. Tishechkina \/\/ Modern Economics. \u2013 2019. \u2013 \u2116 15. \u2013 S. 21\u201326.<\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7],"tags":[],"_links":{"self":[{"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=\/wp\/v2\/posts\/559"}],"collection":[{"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=559"}],"version-history":[{"count":1,"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=\/wp\/v2\/posts\/559\/revisions"}],"predecessor-version":[{"id":560,"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=\/wp\/v2\/posts\/559\/revisions\/560"}],"wp:attachment":[{"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=559"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=559"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=559"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
![](\"http:\/\/journals.khnu.km.ua\/vestnik\/wp-content\/uploads\/2021\/01\/pdf.png\")
<\/a>\u00a0 \u0421\u0442\u043e\u0440\u0456\u043d\u043a\u0438 233-240. \u041d\u043e\u043c\u0435\u0440 \u21161, 2020 (261)<\/strong><\/p>\n