Karbovnychiy I. The mechanism of formation and realization of the credit policy in banks

The thesis offers the author's definition of the economic essence of the credit policy of banks and studies the key elements of the mechanism of this policy's for-mation. It substantiates the appropriateness of defining in the structure of the effec-tive realization of the credit policy the mechanism of bank crediting and the mecha-nism of financial provision, which were studied on the basis of the research of the credit potential of banks. The thesis develops the methods for the evaluation of the creditworthiness of a bank's borrower - a legal person on the basis of the size of the borrower and its branch specialization. It offers a complex scientific and methodical approach to the credit risks management in banks on the basis of an adequate system of procedures for the calculation of the risks' scale and probabilistic assessment. It develops the ap-proach designed for the management of credit risks in banks taking into the account the interest rate and currency risks, liquidity risk, as well as the risks of the shrinking customer base and the decline in the demand for credit resources.