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PLEDGED RISKS MANAGEMENT ADMINISTRATION IN THE COMMERCIAL BANK



A.V. Esipov
T.A. Leonchenkova
av.esipov@mail.ru
yes-tet@mail.ru
Associate Professor at the Department of Banking and Innovative Financial Technologies, International Banking Institute, PhD in Economics, Associate Professor
an Applicant at the Department of Banks and Financial Risks, Saint-Petersburg State University of Economics
St. Petersburg
St. Petersburg

Keywords:

  • pledged risks
  • market value
  • liquidation value
  • fair value
  • pledged value
  • secured loans risks management
  • The relevance of the research is based on the need for the development of a commercial banks pledged risks management methodology. The article focuses on the risks of secured loans. It analyzes risks of pledged assets depreciation within the terms of the loan agreement and examines approaches and methods of evaluation of pledge.
    In the course of the study of pledged assets evaluation and identification of secured loans risks the authors have used methods of comparative analysis, classification and systems approach.
    On the basis of the analysis of applied approaches to along with methods of pledged risks evaluation the recommendations have been introduced as to establishing and revising pledged assets value and administration of pledged risks management in commercial banks.

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