CREDIT PORTFOLIO ANALYSIS AND THE PROBLEMS OF ITS FORMATION
This article considers the structure and the estimation of quality of a credit portfolio and factors influencing its change. The completed analysis draws the following conclusion, that the portfolio should be balanced, i.e. the increased risk under one loan should compensate reliability and profitability of other loans. Key elements of efficient control are: the weighed credit policy and procedures, qualitative management of a credit portfolio, effective credit monitoring.