КРЕДИТНІ РИЗИКИ В СИСТЕМІ БАНКІВСЬКОГО КРЕДИТУВАННЯ

The high risk of credit transactions indicates the growth in the share of overdue loans (in five times average) in the credit portfolios of Ukraine’s banks. A classification of agriculture loans as the most risky, the proportion of loans to agricultural enterprises in total loans declined rapidly – from 6,7% in 2005 to 0,9% in 2009, and in 2011 – is only 1,5%. Bank’s risk associated with unprofitable agricultural sector, the lack of liquidity in the mortgage and efficient producers of insurance of agricultural production, prevents the development of credit relations. Solving this problem is complicated by inadequate legislation in matters of guaranteeing repayment, lack of integrated risk banking institutions and banking practices in the usage of management practices that effectively reduce the high risk possibility. Improving the efficiency of farmers and borrowers credit risk mitigation banks contribute the full insurance of agricultural risks and property companies. Unification of large number of methodologies to assess credit risk in a single system with a mandatory consideration of industry specific and comprehensive usage of various risk management techniques in the process of lending activities will improve the efficiency of both individual banking institutions and the banking system as a whole and improve relations with agricultural credit sector