Ways to Manage the Risks of Bank Loans    (Comparative Study)

Thikra  Mohammed Hussein, A.P.Dr.; Shaker Arheem, Mahmoud

	Ways to Manage the Risks of Bank Loans (Comparative Study)
AL- Mouhakiq Al-Hilly Journal for legal and political science
Article 1, Volume 9, Issue 2, 2017, Pages 493-529
Authors
A.P.Dr. Thikra Mohammed Hussein; Mahmoud Shaker Arheem
Abstract
Bank loans is a direct credit fence, which provide a measure of liquidity to the customer and that of an image also financial dependence and discount commercial papers, and loans banking three types namely short-term loans and medium-term loans and long-term loans, and the importance of risk management process appears clearly only in loans medium or long-term, because the risk increases as the increased length of the loan, so the risk management are all processes and previous actions subsequent or check bank loans risk, and carried out by the competent authority in the bank to avoid or reduce the losses caused by these risks. It follows the responsibility of the bank in order to risk loans several management duties and is two stages, before granting the loan must be queried for its customer financial and filled and guarantees provided by him and the appropriate terms of the loan to the strategy followed in the bank, either after being granted the loan he last follow-up is a query and follow-up of the means of avoiding risks bank loans, and finally the loan risk management when earned, which is using the media to address these risks are either to mitigate them using various means of the most important guarantees provided by the customer, or to convert them to third parties and is insurance on loans and securitization of these loans and the use of financial derivatives contracts.
Keywords
Ways; manage; Risks; Bank loans

Statistics Article View: 181 PDF Download: 110