Мельник, Л. В. та Melnyk, L. V. (2018) МЕТОДИ УПРАВЛІННЯ РИЗИКАМИ ПРИ ІПОТЕЧНОМУ КРЕДИТУВАННІ АГРАРНОЇ СФЕРИ. Вісник Національного університету водного господарства та природокористування (3(83)). с. 120-129.

Перегляд

Text Ve8312 зах.pdf Download(169kB) | Перегляд

Анотація

В статті визначено сутність ризиків іпотечного кредитування аграрної сфери. Виділено особливості ризиків земельно-іпотечного кредитування. Проведено класифікацію ризиків залежно від періодичності їх виникнення. Систематизовано методи управління ризиками іпотечного кредитування залежно від періоду досягнення поставлених цілей. Наголошено на важливості використання методу диверсифікації для мінімізації кредитних ризиків.

Title in English

METHODS OF RISK MANAGEMENT IN MORTGAGE LENDING AGRICULTURAL SPHERE

English abstract

The purpose of this study is to generalize the specific features and peculiarities of the risks encountered in the process of mortgage lending of agricultural enterprises and systematization of their management methods. The risk of mortgage lending in the agrarian sector can be defined as the quantified probability of occurrence of the event as a result of the adoption of certain managerial decisions, the consequences of which can be both obtaining additional benefits, and incurred additional costs. The risks of mortgage lending in the period of their occurrence are divided into systematic: the instability of the state policy on the regulation of agrarian markets, fluctuations in prices for agricultural products; unsystematic and random. The methods of risk management include tactical and strategic methods. Tactical methods include: ensuring high liquidity of investments, limiting the cost of a credit operation, hedging, conducting an operational monitoring of the information field, splitting the investment project into separate parts in time in order to reduce the costs of implementing each individual stage. Strategic methods include: application of risk avoidance policies; underwriting; formation of internal insurance reserves in order to cover risk capital; diversification, which is to minimize risks by allocating investment resources between different projects; realization of state guarantees of protection against a specific type of risk; method of insurance of financial risks. The most expedient way to use risk management in mortgage lending in the agrarian sector has been diversification.

Перегляд елементу

Завантажень