Complex Assessment of Credit Potential of the Banking System under Conditions of Uncertainty
Journal Title: Бізнес Інформ - Year 2014, Vol 4, Issue 0
Abstract
Increase of competitiveness of the Ukrainian economy in the world market and evening-out consequences of structural disproportions that formed during the crisis are possible by means of optimisation of mechanisms of realisation of crediting, increase of adaptability of the credit market and its ability to adequately react to the growing credit demand. The role of the formed credit potential of the banking system and its methods of assessment and ways of management increases in this context. The article analyses various approaches to structuring of the credit potential and identifies its main components. The article shows a necessity of accounting the degree of uncertainty of external environment in the process of assessment of the credit potential of a bank and the banking system. In this connection the article uses a system approach to form a complex three-level indicator of the credit potential of a bank and the banking system, which is proposed to determine by means of application of the entropy method and which lies in the basis of the methodical approach to assessment of the credit potential. This approach allows an all-sided analysis of components of potential and consider the level of their instability in the result of impact of external environment.
Authors and Affiliations
Oksana Omelchenko
Keywords
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