in tion ;) analysis of the industry to which the z and borrowers ;) cash flow forecast loan ni ika with its customers and counter agents for the period and absorption sheniya loan.
. Reducing the size of granted loans to one borrower. Cn This applies to own, the bank is not entirely sure enough kreditosposo used completely client. Reduced weighted loan size reduces the value of n losses in the event of his return.
. Credit insurance. Credit insurance assumed full before Gaeta and its risk of default chu organization dedicated insurance. There are many different varieties of credit insurance, but the costs associated with their impl e stvl e or em, usually refer to ssudopolu breakers.
. Attracting sufficient collateral. This method is almost full of Stu bank guarantees issued to refund the amount and the receipt of interest. An important point is the fact that the size of the loan provision should cover not only the amount of loans, but also the amount of interest on it. However, all the same priority with protection against credit risk should otdavat s smiling not attract sufficient cheniyu software designed to for covering losses and analysis of the borrower's creditworthiness aimed at nedopusch ting these losses as the loan is not issued in the hope that it absorption and sheniya have to sell assets as collateral, and that it will be returned in accordance with the loan of dogs rum.
. Issuance of discount loans. Discount loans only to a small extent can reduce credit risk. Such a method of lending and g tees at least receive fees for the loan, and the question of its return remains smiling t open if not used other methods of protection against credit risk of.the practice of commercial banks in developed market economies is widely used banking system ha safeguards. Depending on the number of banks participating in garantsionnyh operations, distinguish, direct, and to a governmental intermediaries nical operation., The basic elements are the sum of bank guarantees, cond tions and duration of payments. The following types of bank Minkowski r and safeguards:
. Guarantee performance of the contract or guarantee of delivery (perfor Mance Bond, delivery guarantee). They cautioned in lyayut businesses that need to make the delivery of a particular commodity, provide a service or perform a chit engineering work. The object is to guarantee the fulfillment of contractual obligations, about Otherwise the bank is obliged to pay a certain amount of pur Patel (consumption and Tieliu). Modification of this warranty is ha welt level of performance (performance guarantee, performance bond), which is used only in ful l nenii builder tion, installation and other specific engineering work for production purposes. In this case, the bank is obligated to pay det e dividing the amount in full or in part is non contractual Liabilities and complements ments.
. Bargaining guarantees (bid bond, participation bond), providing that lyayutsya uch ticipants and trades to ensure the availability of price lists, the fulfillment of its obligations. In the case of non-degenerate fulfillment of the condition of trading bank also must pay determined lennuyu sum to the aggrieved about not Sided.
. Guarantees advance (advance-payment guarantee) used when performing large orders: construction of buildings, structures. Since the order is carried out in te over an extended time periods or, ...
