DIPLOMA Formation of credit policy in a commercial bank

INTRODUCTION 3
Chapter I. CREDIT POLICY AS THE BASIC TOOL FOR ACHIEVING THE STRATEGIC GOALS OF THE COMMERCIAL BANK 6
§one. Commercial banks in the banking system of Russia. Main Trends in Financial Development 1
§2. Modern system of bank lending 13
2.1. Subjects of credit relations 13
2.2. Classification of bank loans 16
2.3. Bank Lending Principles 17
2.4. The essence of credit risk and management methods 20
2.5. Loan objects 24
2.6. Lending methods 26
2.7. Forms of loan accounts 29
2.8. Bank control in the process of lending 31
Chapter II. ANALYSIS OF THE CREDIT POLICY OF VNESHTORGBANK 33
§one. Banking Analysis 1
§2. Analysis of Vneshtorgbank's activities 37
§3. Analysis of the credit policy of Vneshtorgbank 39
Chapter III. WAYS TO REDUCE CREDIT RISK AS A WAY TO SOLVE THE PROBLEM OF OPTIMIZING CREDIT POLICY IN VNESHTORGBANK 47
§one. Improving the credit policy of a commercial bank 1
§2. Global experience in assessing the creditworthiness of a borrower 55
§3. Working with problem loans 61
CONCLUSION 65
REFERENCES 68