duschem.
. Interest rate swaps. Under the interest rate swap realize exchange of interest payments in E s (but not payments to foundations Nome debt) credit obliga t you concluded on the same amount, but on different terms. Eg Prospect of interest rate may be floating or fixed rates landmark in different markets loans tion sprinkles and fishing.to reduce the interest rate riskrate risk can be reduced through the application of the following equation me ods:
. Insurance interest rate risk. As well as insurance tion of credit risk it assumes complete transfer of appropriate risk insurance on p Organization.
. Granting of loans with floating interest rates, Such measures allow the bank to make appropriate of changes in the interest rate on this loan in s in accordance with fluctuations in market interest rates. As a result, the bank is able to avoid potential losses in the case of n Vyshen market rate loan of cents.
. Term agreements. This method of protection against interest rate risk associated withmagnify the terms of borrowings; reduce loans with fixed interest on the interest rate; the time and invest Nations, pro d amb of the investment (in the form of securities); long-term loans; close some ri with kovye credit linesshortening borrowings; start lengthened ting investment periods, start training to increase the share of loans with fixed Comrade hundred in Coy, to prepare for the increase in the share of investment in securities boom and connecting rods; in the Possibility of early redemption Sheni I Zadoya l fixed intensity of c entnoy ratethe period of borrowings; increase the share of the loan and then in a fixed in the luxuries of a hundred in Coy; the timing and size of port f ator investment Nations; open credit l and SRIlengthening the terms of borrowings; abbr start and u ix timing Institute in estitsy; uv e lichit share of loans with floating ing hundred in Coy; investments in securities Act; selectively direct about giving assets with fixed income or the interest rate of concluded between the Bank and the customer spe cial forward agreements to provide in th Vorenus day loans in a certain amount and under the mouth of a new lenny percent. Thus, pre-fixed date, the size of future credit and charge for using it. Concluding such an agreement, the bank and the ogre firmed by themselves from the risk of loss in case of a fall at the time the loan market interest rates. With increasing rates of these same wins undermines customer floor at foreclosing the loan for more Kuyu s no fee.to reduce credit n th riskare five main ways Redeye e of credit risk:
. «S credit rating. Workers usually give credit limit d this respect it met about do, because he sound of it possible to prevent the practical e ski fully all possible losses associated with bad loans. To determine a borrower »s creditworthiness, there are many different approaches. However, in the village l ednee in the practice of foreign banks all used on occupations are spread ns gets a method based on tion point evaluation ssudop ol teach e la. This method assumption proposes the development of specific scales to determine the re st Thing climate e-coagulant criteria by which Mfr about ditsya rating of the borrower, and n is strictly vidual for each bank and are based on his practical experience. These criteria peri about cally ...
