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#3-4 (211-212) / -Հունվար 2018
 
Roza SUKIASYAN
IMPROVEMENT BASIC RISKS ASSESSMENT METHODOLOGY IN RA BANKING PRACTICE

Keywords: risk methods, interest rate risk, credit risk, liquidity risk, currency risk, book-value, interest margin, interest income, interest spread, interest rates.
For the first time an attempt is being made in the article to consider the evaluation and improvement methods of basic risks in commercial banks of RA.
The scientific research in the sphere of economics, dedicated to the study of risks, evaluation and improvement of their methods, are not finalized, as any alteration of industrial-economic relations proposes new requirements to the risk study of commercial organizations. The development of those requirements serves as a source of new economic studies. Today, the most of those studies are dedicated to the study and forecast of the method development of evaluation and improvement of basic risks of commercial organizations such as RA banks.
For the further analysis in the article, only the risks which can have quantitative assessment and can be forecasted and minimized are underlined from the set of banking risks. The following types of risks satisfy to these conditions: interest rate risk, credit risk (non-payment risk on a loan), liquidity risk, currency risk and risk of sufficiency of own capital.
Risk alteration of interest rate was considered as one of the principal portfolio risks, along with credit risk and liquidity risk. It was believed that the main types of risk for the bank are linked with the structure of its portfolio, that is a set of financial assets in which bank resources are invested.

IMPROVEMENT BASIC RISKS ASSESSMENT METHODOLOGY IN RA BANKING PRACTICE  Վճարել 369 ՀՀ դրամ եւ ներբեռնել հոդվածը “PDF” ֆորմատով
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