MODELS AND METHODS OF RISK MANAGEMENT IN MORTGAGE LENDING
The article considers different risks of mortgage lending. It describes the basic causes of risks, methods for their identification and evaluation; as well the article lists and analyzes the main methods of reducing the potential damage. All described methods and models are systematized and presente...
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| Format: | Article |
| Language: | Russian |
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Plekhanov Russian University of Economics
2017-09-01
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| Series: | Вестник Российского экономического университета имени Г. В. Плеханова |
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| Online Access: | https://vest.rea.ru/jour/article/view/304 |
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| _version_ | 1839588681109733376 |
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| author | Anna V. Vorobeva |
| author_facet | Anna V. Vorobeva |
| author_sort | Anna V. Vorobeva |
| collection | DOAJ |
| description | The article considers different risks of mortgage lending. It describes the basic causes of risks, methods for their identification and evaluation; as well the article lists and analyzes the main methods of reducing the potential damage. All described methods and models are systematized and presented in tabular form. The article evaluates the impact of risk on the interest income of the bank and proves the need of effective credit policies. It is also shown how the effective risk management can reduce the cost of credit as for the lender so to the borrower. The work offers some new advanced approaches for risk management of mortgage lending in the Russian banking sector and describes the ways how mortgage products can be improved. |
| format | Article |
| id | doaj-art-d92b3a31a9de4e74aee5c2ffbbb1a22f |
| institution | Matheson Library |
| issn | 2413-2829 2587-9251 |
| language | Russian |
| publishDate | 2017-09-01 |
| publisher | Plekhanov Russian University of Economics |
| record_format | Article |
| series | Вестник Российского экономического университета имени Г. В. Плеханова |
| spelling | doaj-art-d92b3a31a9de4e74aee5c2ffbbb1a22f2025-08-03T13:32:03ZrusPlekhanov Russian University of EconomicsВестник Российского экономического университета имени Г. В. Плеханова2413-28292587-92512017-09-010315116110.21686/2413-2829-2017-3-151-161303MODELS AND METHODS OF RISK MANAGEMENT IN MORTGAGE LENDINGAnna V. Vorobeva0Plekhanov Russian University of EconomicsThe article considers different risks of mortgage lending. It describes the basic causes of risks, methods for their identification and evaluation; as well the article lists and analyzes the main methods of reducing the potential damage. All described methods and models are systematized and presented in tabular form. The article evaluates the impact of risk on the interest income of the bank and proves the need of effective credit policies. It is also shown how the effective risk management can reduce the cost of credit as for the lender so to the borrower. The work offers some new advanced approaches for risk management of mortgage lending in the Russian banking sector and describes the ways how mortgage products can be improved.https://vest.rea.ru/jour/article/view/304mortgage marketcredit riskinterest rate risksecuritizationinterest incomegap analysisduration |
| spellingShingle | Anna V. Vorobeva MODELS AND METHODS OF RISK MANAGEMENT IN MORTGAGE LENDING Вестник Российского экономического университета имени Г. В. Плеханова mortgage market credit risk interest rate risk securitization interest income gap analysis duration |
| title | MODELS AND METHODS OF RISK MANAGEMENT IN MORTGAGE LENDING |
| title_full | MODELS AND METHODS OF RISK MANAGEMENT IN MORTGAGE LENDING |
| title_fullStr | MODELS AND METHODS OF RISK MANAGEMENT IN MORTGAGE LENDING |
| title_full_unstemmed | MODELS AND METHODS OF RISK MANAGEMENT IN MORTGAGE LENDING |
| title_short | MODELS AND METHODS OF RISK MANAGEMENT IN MORTGAGE LENDING |
| title_sort | models and methods of risk management in mortgage lending |
| topic | mortgage market credit risk interest rate risk securitization interest income gap analysis duration |
| url | https://vest.rea.ru/jour/article/view/304 |
| work_keys_str_mv | AT annavvorobeva modelsandmethodsofriskmanagementinmortgagelending |