Starptautisku kredīta reitingu saņemšana un to loma banku attīstībā
Date
2007
Authors
Zubarevs, Konstantins
Journal Title
Journal ISSN
Volume Title
Publisher
Latvijas Universitāte
Abstract
Šajā darbā tika izpētīta un aprakstīta Latvijas banku darbība starptautisko kredīta reitingu saņemšanas jomā, ņemot vērā Latvijas iestāšanos Eiropas Savienībā un tā rezultātā notikušo Latvijas finanšu sektora paplašināšanos un konkurences saasināšanos.
Šī darba mērķis bija izpētīt visu Latvijas banku sektora dalībnieku – Latvijas komercbanku – stratēģiskas attīstības elementu – darbību starptautisko kredīta reitingu saņemšanas jomā, apzināties grūtības, ar kurām bankas sastopas, saņemot reitingus, pierādīt, ka reitingu saņemšana ir svarīgs process un izstrādāt priekšlikumus bankām tālākai darbības attīstībai šajā sfērā.
Darba izstrādāšanas gaitā tika detalizēti izpētīta un aprakstīta reitingu būtība, klasifikācija, to piešķiršanas pamats un process; pamatota reitingu nepieciešamība; veikta Latvijas komercbanku reitingu saņemšanas darbības analīze un salīdzināšana; izpētīts reitingu saņemšanas process praksē un konstatētas grūtības un nepilnības, ar kuram sastopas bankas reitingu saņemšanas procesā; kā arī izstrādāti priekšlikumi banku tālākai virzībai reitingu saņemšanas jomā.
Darba kopējais lapu skaits ir 80. Darba ir izmantotas 8 tabulas, 7 attēli un 4 pielikumi.
This thesis examined the pursuit of Latvian commercial banks to obtain international credit ratings in the context of Latvia's accession to the European Union, which has resulted in cross-border expansion of and increased competition in the Latvian financial sector. The target of this thesis was to research the initiatives that have been taken by Latvian commercial banks in obtaining international credit ratings as an element of strategic development, to identify the difficulties that banks face when trying to get a rating, to prove that ratings are important and to provide recommendations for banks. During thesis development a detailed investigation was conducted and a subsequent description prepared on the classification and procedures involved in ratings. The necessity of ratings was proven, analysis and comparison were made of Latvia commercial banks’ rating activities, the rating process in practice was investigated, difficulties that a bank might face were defined, and recommendations were introduced for further activity in this field. This thesis consists of 80 pages and includes 8 tables, 7 images and 4 appendices.
This thesis examined the pursuit of Latvian commercial banks to obtain international credit ratings in the context of Latvia's accession to the European Union, which has resulted in cross-border expansion of and increased competition in the Latvian financial sector. The target of this thesis was to research the initiatives that have been taken by Latvian commercial banks in obtaining international credit ratings as an element of strategic development, to identify the difficulties that banks face when trying to get a rating, to prove that ratings are important and to provide recommendations for banks. During thesis development a detailed investigation was conducted and a subsequent description prepared on the classification and procedures involved in ratings. The necessity of ratings was proven, analysis and comparison were made of Latvia commercial banks’ rating activities, the rating process in practice was investigated, difficulties that a bank might face were defined, and recommendations were introduced for further activity in this field. This thesis consists of 80 pages and includes 8 tables, 7 images and 4 appendices.
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