LOAN RISK MANAGEMENT RELATED FORMS OF APPLICATION MODELS BY BANKING INSTITUTIONS

Shaqir Rexhepi

Abstract


The study on the functioning of the models on the financial management of credit risk in banking institutions, is the special importance on developing strategic financial objectives and application of protective methods on predictions of risks which may be in credit to the economy and family businesses. Banks in their monetary program, among others anticipate increased demand for money by lending to the economy and their businesses . Support the economy with credit is one of the main tasks of the banking system, closely related to the specific conditions of this country. During the latter half of the current decade, the structure of banking system deposits has undergone significant changes, which have been largely a function of economic development, but also the phenomena and the development of the banking system itself . The general trend of the deposit system has been positive and graphs shows time series tables for their tendency. However , the problems of fragility and half the first decade of the establishment of a banking system crisis and the problems reflected in the structure and level of deposits in the banking system which is reflected by external and internal factors in the not functioning of Kosovo country.

Keywords


Loan risk, banking institutions, types of loan, management of financial risk

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References


CBRK, (2011). Annual report. (p, 44 – 55). Central Bank of the Republic Kosovo, Pristina, Kosovo.

CBRK, (2011). Financial stability and economic analysis. (No.2). Central Bank of the Republic of Kosovo, Pristina, Kosovo.

CBRK, (2011). Methods on monetary and financial statistics. Central Bank of the Republic of Kosovo, Pristina, Kosovo.

CBRK, (2011). Regulation on management of loan risk. (p,7). Central Bank of the Republic of Kosovo, Pristina, Kosovo.

ECB, (2003). Manual on MFI Interest rate statistics regulation 2001/18. European Central Bank (October ), Frankfurt, Germany.

Pickett, K.H. Spencer, (2005). Auditing the Risk Management Process. New Jersey. John Wiley & Sons, Inc.




DOI: http://dx.doi.org/10.12955/ejbe.v10i2.698

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