Latvijas komercbanku kreditēšanas analīze
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Latvijas Universitāte
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lav
Abstract
“Komercbanka ir finanšu darījumu starpniecības uzņēmums, kura galvenās funkcijas ir noguldījumu pieņemšana, aizdevumu izsniegšana un norēķinu nodrošināšana” (Van Loo, Rory, 2018). Kredīts jeb aizdevums ir nauda, ko kredītiestāde vai aizdevējs uz līguma pamata aizdod klientam vai aizņēmējam, kuram savukārt ir tiesības ar tiem rīkoties pēc saviem ieskatiem. Kredīta ņēmējam ir pienākums atdot aizdevumu aizdevējam saskaņā ar noslēgtā aizdevuma līguma nosacījumiem. Darba mērķis : •izpētīt Latvijas komercbanku kreditēšanas analīzi. Lai sasniegtu darba mērķi, tika izvirzīti šādi uzdevumi: 1.Izpētīt un analizēt zinātnisko literatūru par kredītiem; 2.Raksturot kreditēšanas nodrošinājumu un to rīkus; 3.Veikt kredītportfeļa dinamikas analīzi; 4.Raksturot Latvijas komercbankas; 5.Veikt kreditēšanas analīzi par 2017.-2020.gadiem. Atslēgas vārdi: Latvijas komercbankas, kreditēšana, kredītportfelis, analīze, dinamikas analīze.
A commercial bank is a financial intermediation company whose main functions are taking deposits, issuing loans, and providing settlements. A loan is money that a credit institution or lender lends to a customer or borrower on a contractual basis, who in turn has the right to dispose of it at their own discretion. The borrower is obliged to return the loan to the lender in accordance with the terms of the concluded loan agreement. Aim of the work: •to study and analyze the lending of Latvian commercial banks. In order to achieve the goal of the work, the following tasks were set: 1.To study and analyze the scientific literature on credits. 2.Describe the credit collateral and its tools. 3.To analyze the dynamics of the loan portfolio. 4.To describe Latvian commercial banks. 5.Carry out a credit analysis for 2017-2020. Keywords: Latvian commercial banks, lending, loan portfolio, analysis, dynamics analysis.
A commercial bank is a financial intermediation company whose main functions are taking deposits, issuing loans, and providing settlements. A loan is money that a credit institution or lender lends to a customer or borrower on a contractual basis, who in turn has the right to dispose of it at their own discretion. The borrower is obliged to return the loan to the lender in accordance with the terms of the concluded loan agreement. Aim of the work: •to study and analyze the lending of Latvian commercial banks. In order to achieve the goal of the work, the following tasks were set: 1.To study and analyze the scientific literature on credits. 2.Describe the credit collateral and its tools. 3.To analyze the dynamics of the loan portfolio. 4.To describe Latvian commercial banks. 5.Carry out a credit analysis for 2017-2020. Keywords: Latvian commercial banks, lending, loan portfolio, analysis, dynamics analysis.