| Abstract [eng] |
85 pages, 15 charts, 11 pictures, 92 references. The main purpose of this master thesis is to determine the main problems of the credit risk management process and make proposals for the improvement of the credit risk management process. The work consists of three main parts: the analysis of literature, the research and its results, conclusion and recommendations. The following research methods were applied to perform the work: Systematization of Lithuanian and foreign scientific literature and method of generalization, qualitative research - strictly structured interview method, content analysis to analyze and interpret qualitative data. Literature analysis reviews the concept of credit risk, elements of the management process, credit risk management process models presented in the literature and their evaluation criteria, on the basis of which a theoretical model of the credit risk management process is developed from these stages - risk identification, risk level assessment, decision making and implementation and evaluation of the decision taken. The research of the master's thesis was carried out by interviewing specialists working in the country's banks in the field of credit risk management process, to identify key issues and opportunities for improvement in the credit risk management process. The investigation revealed that the main procedural problems relate to the initial assessment of the debtor, obtaining information on the borrower’s ability to repay the loan, cash flow, solvency assessment, etc. To improve the process is suggested: ensure that the principle of managing debtors' principal receivables is established in advance, effective monitoring, information sharing between different banks and dedicate additional human and time resources. The conclusions and recommendations summarize the main concepts of literature analysis and the results of the study performed. Research results and suggestions could help banks avoid adverse effects and ensure the effectiveness of the credit risk management process. |
