RISK MANAGEMENT STRATEGIES IN THE CENTRAL COOPERATIVE BANK “CREDITCOOP”
RISK MANAGEMENT STRATEGIES IN THE CENTRAL COOPERATIVE BANK “CREDITCOOP”

Summary/Abstract: Risk management involves the prevention, monitoring and limitation of the exposures of cooperative credit organizations to risks, as well as the determination of the level of assumption of certain risks. In order to implement the strategy for credit risk, the Central Cooperative Bank CREDITCOOP has established a series of limits: on specific banking products, on economic sectors, on geographical areas, on types of customers and limits related to residual risk In this research, the characteristics of the main risk categories are analyzed. The elements determined in the credit risk management are: ability to pay; the debtor's desire to make the payment; capital; warranty (real or personal); environmental conditions.

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