Credit policy of commercial bank - this is an internal document of the bank, which is determined using the basic approach to lending and the requirements for borrowers, given the current economic situation.Credit policy commercial banks able to express the philosophy of (ordinary approach concept) credit for banks, to establish a strategic framework Dunn activities.To resolve this issue, in any commercial bank, leading pokreditovaniyu activities, there is a certain time limit issuance of credit.
Policy - a general guide to action in the service of the bank loan.The credit policy of the commercial bank also has the problem that, on the one hand, to minimize the inevitable commercial risks and, on the other hand, to maintain the widest niche potential customers a credit product.
commercial bank's credit policy is also the main goal - a highly profitable places liabilities (as well as attracting investments and deposits) in the bank's loan product while maintaining a certain level of quality loan portfolio of banks.On quality loan portfolio is influenced primarily overdue loan and other problem debts.Overdue - a debt that can not repay on time, and fulfillment of obligations of the borrower loan processing.Problem debt is debt that has a direct or indirect signs of problems during the service credit borrowers and timely implementation of the Borrower's obligations to creditor banks.High-quality loan is a secured loan, which was quenched in a timely manner without causing the problems and difficulties of the borrower.
In addition, banks must comply with a reasonable balance between revenue and risk.It is setting up and implementing credit policy, banks seek to reduce risk to a minimum, while obtaining the maximum income of the operations.That such actions the credit risk of commercial bank becomes minimalnym.Kreditnuyu policies takes the bank's senior management (director or the board of the bank), by means of this document the authority delegated to each performer - an employee of the credit department.Naturally the credit policy of commercial banks delineates the decision, the authority to carry out certain actions, operations.The credit policy of the commercial bank develops a unified approach to lending transactions, especially if there is a branch network of the credit company.In this way, the approach set defined general principle of lending commercial banks, is determined by the type of credit granted, the authority at any level of the bank for the adoption of each issue, as well as an operating item credit procedure.The requirement to this policy banks credit policy matching the current market situation.In order to maintain the credit policy of the commercial bank, it is necessary to constantly review and, if necessary, to refine those postulates on which it is carried out.It revises the policy the credit institution, as usual, at least once a year.The economic situation, which is often changing, revising credit policies more often.Who else but the staff credit, every day faced with a different, often unusual case in working with a client, see the "thin" space policy and can make a reasonable proposal, to correct it.The bank is trying to take into account as close to the realities of modern life strategy loans.Please note that the credit policy of banks is not contrary to the existing laws of the state, as well as overall economic development.
