Identification of the risks of consumer credit cooperatives

Author:

Didenko V. Yu1,Morozko N. I.1,Morozko N. I.1

Affiliation:

1. Finance University under the Government of the Russian Federation

Abstract

Various types of classification of risks of credit consumer cooperatives have been considered. The author’s approach to the classification of cooperative risks based on the account of losses associated with risk situations has been adduced. It has been proposed to carry out a quantitative risk assessment, which is demonstrated by the example of the assessment of various types of savings risk. Directions of reduction of risks of losses of credit consumer cooperatives have been designated. The necessity of identification of risks of credit consumer cooperatives for substantiation of strategy and tactics of cooperative development has been emphasized.

Publisher

State University of Management

Reference11 articles.

1. Federal’nyi zakon «O kreditnoi kooperatsii» ot 18.07.2009 g. № 190-FZ (red. ot 03.07.2016 g.) [Federal Law «On Credit Cooperation» dated July 18, 2009 № 190-ФЗ (as amended on July 03, 2016)]. Available at: http://legalacts.ru/doc/federalnyi-zakon-ot-18072009-n-190-fz-o/ (accessed 01.02.2019).

2. Bazovyi standart po upravleniyu riskami kreditnykh potrebitel’skikh kooperativov ot 17.04.2018 g. Banka Rossii [The basic standard for risk management of consumer credit cooperatives dated April 17, 2018 of the Bank of Russia]. Available at: http:// www.garant.ru/products/ipo/prime/doc/71830590/ (accessed 04.02.2019).

3. Brealey R., Myers S. Printsipy korporativnykh finansov [Principles of corporate finance]; per. s angl., 2-e izd., M.: Olymp-Business, 2012, 1120 p.

4. Molokhov A. V., Porubinovskaya V. V. O nekotorykh riskakh v sfere potrebitel`skogo kreditovaniya [On some risks in the sphere of consumer lending], Bankovskoe delo, 2014, I. 1, pp. 85-87.

5. Polozheniye po upravleniyu riskami kreditnogo potrebitel’skogo kooperativa (grazhdan) [Regulation on risk management of credit consumer cooperative (citizens)]. Available at: http://sro-sodeystvie.ru/info/docum/docum-3448/page-3454 (accessed 07.02.2019).

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