TOOLS FOR THE BANKS’ CRITICAL CREDITS MANAGEMENT

The article reviews the tools of management of critical credits in commercial banks. The effectiveness of use of collection agencies and the ombudsman institution in the system of the critical debt management is justified. The special attention is paid to the issue of implementation of the pledge object serving as the guarantee of the critical credit. In order to transfer the pledge into the share, depending on the presence of the pledge object at the bank balance, the reasonability of the use of the closed share investment fund of the real estate or the closed credit share investment fund is determined.

bank, critical credit, bureau of credit histories, collection agency, bank ombudsman, pledge object, outsourcing, SPV, closed share investment fund of real estate, closed credit share investment fund