STRUCTURAL PRODUCT AS A TOOL FOR MANAGING PROBLEM DEBT

Bad debts have been an ever-increasing threat to the Russian banking sector over the past decade. Currently, the number of problem debtors has stabilized, and the amount of debt has become classified. The policy of the regulator protects the debtor, this is due to extremely high interest rates on lo...

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Autor principal:	N. V. Gryzunova
Formato:	article
Lenguaje:	RU
Publicado:	Publishing House of the State University of Management 2020
Materias:	troubled debt management approaches troubled loan handling algorithm bank loan portfolio structured product credit restructuring transparency Sociology (General) HM401-1281 Economics as a science HB71-74
Acceso en línea:	https://doaj.org/article/148399289baf4deab8a9bb9496b63af5
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spelling	oai:doaj.org-article:148399289baf4deab8a9bb9496b63af52021-12-03T07:43:31ZSTRUCTURAL PRODUCT AS A TOOL FOR MANAGING PROBLEM DEBT1816-42772686-841510.26425/1816-4277-2019-12-159-166https://doaj.org/article/148399289baf4deab8a9bb9496b63af52020-02-01T00:00:00Zhttps://vestnik.guu.ru/jour/article/view/1943https://doaj.org/toc/1816-4277https://doaj.org/toc/2686-8415Bad debts have been an ever-increasing threat to the Russian banking sector over the past decade. Currently, the number of problem debtors has stabilized, and the amount of debt has become classified. The policy of the regulator protects the debtor, this is due to extremely high interest rates on loans. The growth of bad debt is a kind of market reaction to inadequate rates. Today, the most important problem for credit organizations and for their customers is the repayment of loans and loans on conditions adequate to the economic situation. In this regard, researchers discuss the problems of creating a mechanism for the settlement of problem debts based on legal guarantees, portfolio technologies, control of retail pricing in the credit market and risk management. For debtors, the possibilities of debt restructuring have recently expanded, in particular, it is possible to use a wide range of financial instruments: subordinated bonds and structured products. The purpose of the article is to determine universal rules for managing bad debts using financial instruments - bonds and structural products, which will help create conditions for long-term financial stability.N. V. GryzunovaPublishing House of the State University of Managementarticletroubled debt management approachestroubled loan handling algorithmbank loan portfoliostructured productcredit restructuringtransparencySociology (General)HM401-1281Economics as a scienceHB71-74RUВестник университета, Vol 1, Iss 12, Pp 159-166 (2020)
institution	DOAJ
collection	DOAJ
language	RU
topic	troubled debt management approaches troubled loan handling algorithm bank loan portfolio structured product credit restructuring transparency Sociology (General) HM401-1281 Economics as a science HB71-74
spellingShingle	troubled debt management approaches troubled loan handling algorithm bank loan portfolio structured product credit restructuring transparency Sociology (General) HM401-1281 Economics as a science HB71-74 N. V. Gryzunova STRUCTURAL PRODUCT AS A TOOL FOR MANAGING PROBLEM DEBT
description	Bad debts have been an ever-increasing threat to the Russian banking sector over the past decade. Currently, the number of problem debtors has stabilized, and the amount of debt has become classified. The policy of the regulator protects the debtor, this is due to extremely high interest rates on loans. The growth of bad debt is a kind of market reaction to inadequate rates. Today, the most important problem for credit organizations and for their customers is the repayment of loans and loans on conditions adequate to the economic situation. In this regard, researchers discuss the problems of creating a mechanism for the settlement of problem debts based on legal guarantees, portfolio technologies, control of retail pricing in the credit market and risk management. For debtors, the possibilities of debt restructuring have recently expanded, in particular, it is possible to use a wide range of financial instruments: subordinated bonds and structured products. The purpose of the article is to determine universal rules for managing bad debts using financial instruments - bonds and structural products, which will help create conditions for long-term financial stability.
format	article
author	N. V. Gryzunova
author_facet	N. V. Gryzunova
author_sort	N. V. Gryzunova
title	STRUCTURAL PRODUCT AS A TOOL FOR MANAGING PROBLEM DEBT
title_short	STRUCTURAL PRODUCT AS A TOOL FOR MANAGING PROBLEM DEBT
title_full	STRUCTURAL PRODUCT AS A TOOL FOR MANAGING PROBLEM DEBT
title_fullStr	STRUCTURAL PRODUCT AS A TOOL FOR MANAGING PROBLEM DEBT
title_full_unstemmed	STRUCTURAL PRODUCT AS A TOOL FOR MANAGING PROBLEM DEBT
title_sort	structural product as a tool for managing problem debt
publisher	Publishing House of the State University of Management
publishDate	2020
url	https://doaj.org/article/148399289baf4deab8a9bb9496b63af5
work_keys_str_mv	AT nvgryzunova structuralproductasatoolformanagingproblemdebt
_version_	1718373495434379264

STRUCTURAL PRODUCT AS A TOOL FOR MANAGING PROBLEM DEBT

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