A/s "Aizkraukles banka" kredītu analīze
Date
2007
Authors
Aleksejeva, Jekaterina
Journal Title
Journal ISSN
Volume Title
Publisher
Latvijas Universitāte
Abstract
Diplomdarba tēma ir “a/s “Aizkraukles banka” kredītu analīze”.
Darbā analizētas ar kredītu izsniegšanu un tiem nepieciešamo līdzekļu piesaisti saistītās problēmas, kā, piemēram, kreditēšanas procesa nepilnības, nesabalansētība starp piesaistītajiem līdzekļiem jeb kreditēšanas avotiem un izsniegtajiem hipotekārajiem kredītiem.
Darba mērķis: izpetīt kredītu un kreditēšanas procesa būtību, analizēt a/s “Aizkraukles banka” izsniegtos kredītus un piesaistītos noguldījumus, kritiski novērtēt riskus, kas rodas strauji kāpinot kreditēšanas tempus, un, pamatojoties uz iepriekšminēto izvirzīt priekšlikumus kreditēšanas risku mazināšanai un bankas kreditpolitikas pilnveidošanai.
Diplomdarba pirmajā daļā autors ir pētīts teorētisko banku aktīvo operāciju, kreditēšanas procesa un tā principu izpētišana.
Otra daļā autors izanalizēja a/s “Aizkraukles banka” kredītu piedāvājuma raksturojumu un kredītu novērtējums 2004. – 2006.gads.
Trešaja daļā veltīta a/s “Aizkraukles banka” kredītešanas pasākumi un to pilnveidošanas iespējas.
Darba nobeigumā ir izvirzīti priekšlikumi, kas saistīti ar bankas kredītpolitikas pilnveidošanu un izsniegto kredītu termiņu un piesaistīto noguldījumu sabalansētības nodrošināšanu.
Darbs sastāv no 3 nodaļām un uz 81 lappusēm. Darbā ir izvietoti 15 attēli un 8 tabulas.
The theme of the graduation work is AS “Aizkraukles banka” credit analysis. In the work there is analyzing the allowance of credits and related issues in loaning for necessary funding, e.g. inaccuracy of crediting process, disequilibrium between loan funding and source of crediting and provided hypothecary credits. Aim of the work: investigate credits and subject of credit process, analyze provided credits by AS “Aizkraukles banka” and engaged investments, critically evaluate risks, which accrue with impetuous rate of the crediting growth and being based on the pointed out earlier, propose suggestions for decreasing credit risks and improvement the credit policy of the bank. In the first part of the diploma work the autors is studying observation of the credit process and its principals, theoretical active bank operations. The second part of the work is devoted to the analysis of the suggestion characteristics for AS “Aizkraukles banka” credits and credit value for 2004-2006 years. The third part of the work is devoted to the activities of the credit policy in AS “Aizkraukles banka” and possibilities of its improvement. In the end of the work there are proposed suggestions, which are connected with improvement of the bank credit policy and terms of the provided credits and securing equilibrium of the loan funding. The work consists of three parts on 81 pages. In the work are placed 15 images and 8 tables.
The theme of the graduation work is AS “Aizkraukles banka” credit analysis. In the work there is analyzing the allowance of credits and related issues in loaning for necessary funding, e.g. inaccuracy of crediting process, disequilibrium between loan funding and source of crediting and provided hypothecary credits. Aim of the work: investigate credits and subject of credit process, analyze provided credits by AS “Aizkraukles banka” and engaged investments, critically evaluate risks, which accrue with impetuous rate of the crediting growth and being based on the pointed out earlier, propose suggestions for decreasing credit risks and improvement the credit policy of the bank. In the first part of the diploma work the autors is studying observation of the credit process and its principals, theoretical active bank operations. The second part of the work is devoted to the analysis of the suggestion characteristics for AS “Aizkraukles banka” credits and credit value for 2004-2006 years. The third part of the work is devoted to the activities of the credit policy in AS “Aizkraukles banka” and possibilities of its improvement. In the end of the work there are proposed suggestions, which are connected with improvement of the bank credit policy and terms of the provided credits and securing equilibrium of the loan funding. The work consists of three parts on 81 pages. In the work are placed 15 images and 8 tables.
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Keywords
Finanšu menedžments