| Abstract [eng] |
Bank ourselves the objective is to manage risk: the banking organization objectively knows what risks are foreseen to avoid, and what a way to do so; the risks assumed, and under what conditions. Therefore, in order effectively to manage the credit risk of banks to develop risk management strategies, credit policy, credit risk system of limits and other credit risk management tools and procedures, as well as credit risk management internal control and internal audit, which allows you to control the bank assumed a fixed credit risk to achieve maximum according to estimated profit. Measures aimed at effective credit risk management, each bank chooses individually, taking into account their performance characteristics. The crucial factor for the efficient management of the credit portfolio risk, is appropriate for its evaluation. Have a significant impact on the assessment of the Basel Committee on Banking Supervision issued recommendations and suggestions, but each bank will assess it in accordance with its established rules and principles. The final work is the analysis of the credit portfolio risk management strategic principles, guidelines and objectives, this is done by analysing the theoretical credit risk identification, assessment and management aspects of the Bank of Lithuania, the statistical data on the risk assessment analysis and evaluation of the DNB bank. |
