nsing activities;
Benefits and risks of their removal;
Risks of fines and penalties;
Enforcement risks (the possibility of changes in the legislative and regulatory framework); and upravlechenskie:
Technological level of production;
Resupply infrastructure risks (price change of suppliers, supply disruptions, etc.);
Risks associated with banks, accounts are opened;
Goodwill (accuracy in the performance of obligations, credit history, participation in major projects, the quality of goods and services, etc.);
Quality control.
. The final step is to determine the credit assessmentof the Borrower or class.3 classes of borrowers: - lending is not in doubt; class-lending approach requires any suspended; class lending associated with increased risk.is based on the scores on the five main indicators, assessment of other indicators of the third group and qualitative risk analysis.total score S affects the rating of the Borrower as follows:=1 or 1.05 - Borrower may be assigned to the first class credit; greater than 1, but less than 2.42- corresponds to the second class; is equal to or more than 2.42 - corresponds to the third class.thus defined a preliminary rating is adjusted for other indicators of the third group and qualitative evaluation of the Borrower. When the negative impact of these factors can Ratings lowered one class.grouping allows to control the identification of possible losses from outstanding loans and their prevention., The class is defined by efficiency and risk group (respectively, ascending). Next (depending on the client extinguishes the principal amount and interest thereon) risk group may vary.
number 2loan classification based on the formalized criteria for assessing credit risks
Group RiskFeature loansThe reserve amount (in% to the amount of debt «1 Standard loans1) Current loans regardless of ensuring the absence of overdue payment%% except for concessional loans and current insiders 2) Secured loans : - Current in the presence of overdue payment%% to 5 days inclusive;- If the arrears of principal up to 5 days or less;- Rescheduled once without changing the terms of the contract 1% 2 Substandard loans1) Secured loans: - Current in the presence of overdue payment% 6% up to 30 days;- If the arrears of principal from 6 up to 30 days;- Rescheduled twice without changing the terms of the contract;- Reissued once changes in the conditions of the contract 2) Insufficient secured loans: - Current in the presence of overdue payment%% to 5 days inclusive;- If the arrears of principal up to 5 days or less;- Rescheduled once without changing the terms of the contract; 3) Feed-current loans and current loans to insiders in the absence of overdue payment%% 20% 3 Doubtful1) Secured loans: - Current in the presence of overdue payment%% from 31 to 180 days, inclusive;- If the arrears of principal from 31 to 180 days, inclusive;- Rescheduled twice with changing conditions of the contract;- Rescheduled more than two times regardless of changes in the conditions of the contract 2) Insufficient secured loans: - Current in the presence of overdue payment% 6% up to 30 days;- If the arrears of principal from 6 up to 30 days;- Rescheduled twice without chan...
