Pryjdun L. Risk-management of the Bank and Performance of Banking Activities

Object – organization credit activity of banks in the process of their interaction with individual and corporate clients. Purpose – justification of the theoretical principles of banks credit activity, determination of directions credit risk management to enhance efficiency of banking. Methods - institutional analysis, methods of systematization, classification, analogies, analysis, synthesis, correlation and regression analysis, economic and mathematical modeling, abstract and logical method. Results - scientific justification of theoretical and practical principles of banks credit risk management, formation of conclusions and practical proposals for improving the efficiency of banking. Novelty – proposed the conception of credit risk management that provides a comprehensive approach to risk management, provides a clear mechanism for the interaction of all participants in credit relations and encompasses organizational and economic aspects of credit risk management; suggested the organizational-economic mechanism of credit risk management and improved definition of its essence; detailed classification of the factors of credit risk by distinguishing within internal strategic and tactical factors that will improve the identification of credit risk; improved the concept of "credit risk" in terms of focusing on the purpose of credit operations, namely obtaining the planned level of income that has a direct impact on the efficiency of the banking business; were further developed approaches to study the nature of credit risk management, definition of risk the loan portfolio, the treatment efficiency of banking, formulation of the concept of bank credit operations. Introduced in the activity of "Industrial Finance Bank" "CB Khreschatyk", CB "PrivatBank" and in the educational process of the Ternopil National Economic University. Scope of application activities of the National Bank of Ukraine and the Association of Ukrainian Banks.Industry - economics.