БАЛАНСОВИТЕ ПОЗИЦИИ И КРЕДИТНАТА ПОЛИТИКА КАТО ФАКТОРИ ЗА ПРЕВЕНЦИЯ СРЕЩУ БАНКОВА НЕСЪСТОЯТЕЛНОСТ
BALANCE SHEET POSITIONS AND CREDIT POLICY AS FACTORS FOR THE PREVENTION OF BANK INSOLVENCY

Summary/Abstract: The area of research is the banking system. The subject of the paper focuses on the theoretical aspects and empirical problems in the management of the balance sheet positions and the assets of credit institutions in order to prevent bank insolvency. The research thesis, tested in this research paper is formulated as follows: Balance sheet positions and credit policy for key factors for the prevention of bank insolvency. The aim of the thesis is to investigate in theory and practice the management of balance sheet positions and the determinants of credit policy as key factors for protection against bank insolvency. The study proves that risks in banking are usually eliminated in part, but never entirely. They can be reduced, hedged or transferred. The rule is that with a larger number of customers in the liability and the asset, it is statistically unlikely a liquidity crisis to be generated due to the early maturity of resource deliveries in the liability or large asset overdue delays. All these actions lead to effective prevention against the greatest risk - bank bankruptcy and effective protection of share wealth, measured and grouped by items through the balance sheet positions of the bank.

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