Kredītriska vadība un tā pilnveidošana Bankā “X”
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Date
2020
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Rīgas Stradiņa universitāte
Rīga Stradiņš University
Rīga Stradiņš University
Abstract
Maģistra darba tēma ir Kredītriska vadība un tā pilnveidošana Bankā “X”.
Maģistra darba tēmas aktualitāti pamato tas, ka banku darbība ir pakļauta daudziem riskiem, un kredītrisks tiek uzskatams par galveno risku banku darbībā, un ja banka nebūs spējīga pietiekoši augstā līmenī pārvaldīt savu kredītrisku, tad tā cietīs milzīgus zaudējumus, un sakarā ar to, ka mūsdienu tirgus apstākļos kreditēšanas produkti ir joprojām ļoti pieprasīti un aktuāli, bankām ir ārkārtēji svarīgi uzlabot un pilnveidot savus kredītriska vadības procesus. Maģistra darba mērķis ir pētīt kredītriska vadības procesu un sniegt priekšlikumus kredītriska vadības procesa pilnveidošanai Bankā “X”. Maģistra darbā tiek veikts kvalitatīvais pētījums. Lai īstenotu kvalitatīvo pētījumu tiek veiktas ekspertu intervijas un fokusgrupas diskusija. Maģistra darba izstrādē lietotas primāro un sekundāro datu vākšanas metodes; statistisko datu analīzes metode (grafiskā analīze; grupēšana; datu apkopošana; datu salīdzināšana); monogrāfiskā metode. Pamatojoties uz veikta pētījuma iegūtajiem rezultātiem, darba autore ir konstatējusi, ka Bankai “X” pastāv dažas nepilnības kredītriska vadības procesā, kurus nepieciešamas pilnveidot. Bankai “X” ir jāautomatizē daži kredītriska vadības procesi, kā arī jāoptimizē lēmuma pieņemšanas procesu.
Maģistra darba nobeigumā tiek formulēti galvenie secinājumi un priekšlikumi. Darba rezultātā tiek izveidoti 19 secinājumi un 9 priekšlikumi.
Maģistra darbs tiek rakstīts latviešu valodā un ir izklāstīts uz 86 lappusēm, ilustrēts ar 23 attēliem un 5 tabulām.
The topic of the Master's thesis is Credit Risk Management and its Improvement in the Bank “"X". The actuality of the master's thesis is justified by the fact that banking is the subject to many risks, and credit risk is considered to be the main risk in banking, and if a bank is not able to manage its credit risk at a high level, it will suffer huge losses. In market conditions, lending products are still in high demand and still relevant, and it is extremely important for banks to improve their credit risk management processes. The aim of the Master's thesis is to study the credit risk management process and to provide proposals for the improvement of the credit risk management process in Bank "X". Qualitative research is performed in the master's thesis. Expert interviews and focus group discussion are conducted to implement the qualitative research. Primary and secondary data collection methods; statistical data analysis method (graphical analysis; grouping; data collection; data comparison); monographic method were used in the development of the master's thesis. Based on the results of the study, the author has found that Bank "X" has some shortcomings in the credit risk management process, which need to be improved. Bank "X" needs to automate some credit risk management processes as well as optimize the decision-making process. At the end of the master's thesis, the main conclusions and proposals are formulated. As a result of the work 19 conclusions and 9 proposals are created. The master's thesis is written in Latvian and is presented on 86 pages, illustrated with 23 figures and 5 tables.
The topic of the Master's thesis is Credit Risk Management and its Improvement in the Bank “"X". The actuality of the master's thesis is justified by the fact that banking is the subject to many risks, and credit risk is considered to be the main risk in banking, and if a bank is not able to manage its credit risk at a high level, it will suffer huge losses. In market conditions, lending products are still in high demand and still relevant, and it is extremely important for banks to improve their credit risk management processes. The aim of the Master's thesis is to study the credit risk management process and to provide proposals for the improvement of the credit risk management process in Bank "X". Qualitative research is performed in the master's thesis. Expert interviews and focus group discussion are conducted to implement the qualitative research. Primary and secondary data collection methods; statistical data analysis method (graphical analysis; grouping; data collection; data comparison); monographic method were used in the development of the master's thesis. Based on the results of the study, the author has found that Bank "X" has some shortcomings in the credit risk management process, which need to be improved. Bank "X" needs to automate some credit risk management processes as well as optimize the decision-making process. At the end of the master's thesis, the main conclusions and proposals are formulated. As a result of the work 19 conclusions and 9 proposals are created. The master's thesis is written in Latvian and is presented on 86 pages, illustrated with 23 figures and 5 tables.
Description
Starptautiskais bizness un tiesības
International Business and Law
Vadība, administrēšana un nekustamo īpašumu pārvaldība
Management, Administration and Real Estate Management
International Business and Law
Vadība, administrēšana un nekustamo īpašumu pārvaldība
Management, Administration and Real Estate Management
Keywords
Kredītrisku vadība, banku sektors, kredītrisku vadības process, kreditēšana, Credit risk management, banking sector, credit risk management process, lending