title: ÐÑÐµÐ½ÐºÐ° Ð¸ ÑÐ¿ÑÐ°Ð²Ð»ÐµÐ½Ð¸Ðµ ÐºÑÐµÐ´Ð¸ÑÐ½ÑÐ¼Ð¸ ÑÐ¸ÑÐºÐ°Ð¼Ð¸ Ð¾ÑÐ³Ð°Ð½Ð¸Ð·Ð°ÑÐ¸Ð¸
title: Ð²ÑÐ¿ÑÑÐºÐ½Ð°Ñ ÐºÐ²Ð°Ð»Ð¸ÑÐ¸ÐºÐ°ÑÐ¸Ð¾Ð½Ð½Ð°Ñ ÑÐ°Ð±Ð¾ÑÐ° Ð±Ð°ÐºÐ°Ð»Ð°Ð²ÑÐ°
titleType: Subtitle
title: Company's credit risk evaluation and management
Creators: name: Ð¨Ð¸Ð½ÑÐµÐ²Ð°, ÐÐ½Ð°ÑÑÐ°ÑÐ¸Ñ
Publisher: name: Ð¡Ð°Ð½ÐºÑ-ÐÐµÑÐµÑÐ±ÑÑÐ³ÑÐºÐ¸Ð¹ Ð¿Ð¾Ð»Ð¸ÑÐµÑÐ½Ð¸ÑÐµÑÐºÐ¸Ð¹ ÑÐ½Ð¸Ð²ÐµÑÑÐ¸ÑÐµÑ ÐÐµÑÑÐ° ÐÐµÐ»Ð¸ÐºÐ¾Ð³Ð¾
Year: 2022
Subjects: ÐºÑÐµÐ´Ð¸ÑÐ½ÑÐ¹ ÑÐ¸ÑÐº
ÑÐ¸ÑÐº-Ð¼ÐµÐ½ÐµÐ´Ð¶Ð¼ÐµÐ½Ñ
Ð»Ð¸ÐºÐ²Ð¸Ð´Ð½Ð¾ÑÑÑ
ÑÑÑÐ¾Ð¹ÑÐ¸Ð²Ð¾ÑÑÑ
Ð´Ð¸ÑÐºÐ¾Ð½ÑÐ¸ÑÐ¾Ð²Ð°Ð½Ð¸Ðµ
credit risk
risk management
liquidity
sustainability
discounting

description: Ð¢ÐµÐ¼Ð° Ð²ÑÐ¿ÑÑÐºÐ½Ð¾Ð¹ ÐºÐ²Ð°Ð»Ð¸ÑÐ¸ÐºÐ°ÑÐ¸Ð¾Ð½Ð½Ð¾Ð¹ ÑÐ°Ð±Ð¾ÑÑ: Â«ÐÑÐµÐ½ÐºÐ° Ð¸ ÑÐ¿ÑÐ°Ð²Ð»ÐµÐ½Ð¸Ðµ ÐºÑÐµÐ´Ð¸ÑÐ½ÑÐ¼Ð¸ ÑÐ¸ÑÐºÐ°Ð¼Ð¸ Ð¾ÑÐ³Ð°Ð½Ð¸Ð·Ð°ÑÐ¸Ð¸Â». ÐÐ°Ð½Ð½Ð°Ñ ÑÐ°Ð±Ð¾ÑÐ° Ð¿Ð¾ÑÐ²ÑÑÐµÐ½Ð° Ð¸ÑÑÐ»ÐµÐ´Ð¾Ð²Ð°Ð½Ð¸Ñ ÑÐ¸Ð½Ð°Ð½ÑÐ¾Ð²ÑÑ ÑÐ¸ÑÐºÐ¾Ð², Ð² ÑÐ°ÑÑÐ½Ð¾ÑÑÐ¸ ÐºÑÐµÐ´Ð¸ÑÐ½Ð¾Ð³Ð¾, Ð¼ÐµÑÐ¾Ð´Ð°Ð¼ Ð²ÑÑÐ²Ð»ÐµÐ½Ð¸Ñ ÐºÑÐµÐ´Ð¸ÑÐ½ÑÑ ÑÐ¸ÑÐºÐ¾Ð², Ð¸Ñ Ð¾ÑÐµÐ½ÐºÐµ Ð¸ ÑÐ°Ð·ÑÐ°Ð±Ð¾ÑÐºÐµ ÑÑÑÐ°ÑÐµÐ³Ð¸Ð¸ ÑÐ¿ÑÐ°Ð²Ð»ÐµÐ½Ð¸Ñ ÐºÑÐµÐ´Ð¸ÑÐ½ÑÐ¼Ð¸ ÑÐ¸ÑÐºÐ°Ð¼Ð¸. Ð ÑÐ°Ð¼ÐºÐ°Ñ ÑÐ°Ð±Ð¾ÑÑ ÑÐµÑÐ°Ð»Ð¸ÑÑ ÑÐ»ÐµÐ´ÑÑÑÐ¸Ðµ Ð·Ð°Ð´Ð°ÑÐ¸: 1. ÐÐ·ÑÑÐµÐ½Ð¸Ðµ Ð¾ÑÐ¾Ð±ÐµÐ½Ð½Ð¾ÑÑÐµÐ¹ ÐºÑÐµÐ´Ð¸ÑÐ½ÑÑ ÑÐ¸ÑÐºÐ¾Ð² Ð½Ð° Ð¿ÑÐµÐ´Ð¿ÑÐ¸ÑÑÐ¸Ð¸ ÑÑÐµÑÑ ÑÑÐ»ÑÐ³ Ð¿ÐµÑÐµÐ´Ð°ÑÐ¸ ÑÐ»ÐµÐºÑÑÐ¾ÑÐ½ÐµÑÐ³Ð¸Ð¸. 2. ÐÑÑÐ²Ð»ÐµÐ½Ð¸Ðµ ÐºÑÐµÐ´Ð¸ÑÐ½ÑÑ ÑÐ¸ÑÐºÐ¾Ð² Ð½Ð° Ð±Ð°Ð·Ðµ ÑÐ¸Ð½Ð°Ð½ÑÐ¾Ð²Ð¾Ð¹ Ð¾ÑÑÐµÑÐ½Ð¾ÑÑÐ¸ Ð¿ÑÐµÐ´Ð¿ÑÐ¸ÑÑÐ¸Ñ. 3. ÐÑÐµÐ½ÐºÐ° Ð²Ð»Ð¸ÑÐ½Ð¸Ñ Ð²ÑÑÐ²Ð»ÐµÐ½Ð½ÑÑ ÐºÑÐµÐ´Ð¸ÑÐ½ÑÑ ÑÐ¸ÑÐºÐ¾Ð² Ð½Ð° ÑÑÑÐµÐºÑÐ¸Ð²Ð½Ð¾ÑÑÑ Ð¿ÑÐµÐ´Ð¿ÑÐ¸ÑÑÐ¸Ñ. 4. Ð Ð°Ð·ÑÐ°Ð±Ð¾ÑÐºÐ° ÑÑÑÐ°ÑÐµÐ³Ð¸Ð¹ ÑÐ¿ÑÐ°Ð²Ð»ÐµÐ½Ð¸Ñ ÐºÑÐµÐ´Ð¸ÑÐ½ÑÐ¼Ð¸ ÑÐ¸ÑÐºÐ°Ð¼Ð¸. Ð Ð°Ð±Ð¾ÑÐ° Ð±ÑÐ»Ð° Ð¿ÑÐ¾Ð²ÐµÐ´ÐµÐ½Ð° Ð½Ð° Ð¿ÑÐ¸Ð¼ÐµÑÐµ ÐÐÐ Â«Ð Ð¾ÑÑÐµÑÐ¸ ÐÐµÐ½ÑÐ½ÐµÑÐ³Ð¾Â». ÐÐ° Ð±Ð°Ð·Ðµ Ð±ÑÑÐ³Ð°Ð»ÑÐµÑÑÐºÐ¾Ð¹ Ð¾ÑÑÐµÑÐ½Ð¾ÑÑÐ¸ Ð¸ Ð¾ÑÑÐµÑÐ° Ð¾ Ð¿ÑÐ¸Ð±ÑÐ»ÑÑ Ð¸ ÑÐ±ÑÑÐºÐ°Ñ ÐºÐ¾Ð¼Ð¿Ð°Ð½Ð¸Ð¸ Ð±ÑÐ» Ð¿ÑÐ¾Ð²ÐµÐ´ÐµÐ½ Ð°Ð½Ð°Ð»Ð¸Ð· ÐµÐµ ÑÐ¸Ð½Ð°Ð½ÑÐ¾Ð²Ð¾Ð³Ð¾ ÑÐ¾ÑÑÐ¾ÑÐ½Ð¸Ñ, Ð°Ð½Ð°Ð»Ð¸Ð· Ð»Ð¸ÐºÐ²Ð¸Ð´Ð½Ð¾ÑÑÐ¸ Ð°ÐºÑÐ¸Ð²Ð¾Ð², Ð°Ð½Ð°Ð»Ð¸Ð· Ð¾Ð±Ð¾ÑÐ°ÑÐ¸Ð²Ð°ÐµÐ¼Ð¾ÑÑÐ¸ Ð°ÐºÑÐ¸Ð²Ð¾Ð² Ð¸ Ð¿Ð°ÑÑÐ¸Ð²Ð¾Ð², Ð°Ð½Ð°Ð»Ð¸Ð· ÑÑÑÑÐºÑÑÑÑ Ð¿Ð°ÑÑÐ¸Ð²Ð¾Ð² Ð¸ Ð°Ð½Ð°Ð»Ð¸Ð· ÑÑÑÐ¾Ð¹ÑÐ¸Ð²Ð¾ÑÑÐ¸ ÐºÐ¾Ð¼Ð¿Ð°Ð½Ð¸Ð¸. Ð ÑÐ¾Ð´Ðµ ÑÐ°Ð±Ð¾ÑÑ Ð±ÑÐ»Ð¸ Ð²ÑÑÐ²Ð»ÐµÐ½Ñ Â«Ð±Ð¾Ð»ÑÐ½ÑÐµ ÑÑÐ°ÑÑÐ¸Â», ÐºÐ¾ÑÐ¾ÑÑÐµ Ð¿ÑÐ¸Ð²Ð¾Ð´ÑÑ Ðº Ð¿Ð¾Ð²ÑÑÐµÐ½Ð¸Ñ ÐºÑÐµÐ´Ð¸ÑÐ½Ð¾Ð³Ð¾ ÑÐ¸ÑÐºÐ° Ð¿ÑÐµÐ´Ð¿ÑÐ¸ÑÑÐ¸Ñ.Ð ÑÐµÐ·ÑÐ»ÑÑÐ°ÑÐµ Ð² Ð¾ÑÐ½Ð¾ÑÐµÐ½Ð¸Ð¸ Ð²ÑÑÐ²Ð»ÐµÐ½Ð½ÑÑ ÑÐ»Ð°Ð±ÑÑ ÑÑÐ¾ÑÐ¾Ð½ ÐºÐ¾Ð¼Ð¿Ð°Ð½Ð¸Ð¸ Ð±ÑÐ»Ð° ÑÐ°ÑÑÑÐ¸ÑÐ°Ð½Ð° ÑÑÐ²ÑÑÐ²Ð¸ÑÐµÐ»ÑÐ½Ð¾ÑÑÑ Ðº Ð¸Ð·Ð¼ÐµÐ½ÐµÐ½Ð¸Ñ Ð±Ð°Ð·Ð¾Ð²ÑÑ ÑÐ¸Ð½Ð°Ð½ÑÐ¾Ð²ÑÑ Ð¿Ð¾ÐºÐ°Ð·Ð°ÑÐµÐ»ÐµÐ¹ Ð¸ Ð¿ÑÐ¾Ð¸Ð·Ð²ÐµÐ´ÐµÐ½Ð° Ð¾ÑÐµÐ½ÐºÐ° ÐºÑÐµÐ´Ð¸ÑÐ½Ð¾Ð³Ð¾ ÑÐ¸ÑÐºÐ°. Ð¢Ð°ÐºÐ¶Ðµ Ð±ÑÐ»Ð¸ ÑÐ°Ð·ÑÐ°Ð±Ð¾ÑÐ°Ð½Ñ ÑÑÑÐµÐºÑÐ¸Ð²Ð½ÑÐµ ÑÑÑÐ°ÑÐµÐ³Ð¸Ð¸ ÑÐ¸ÑÐº-Ð¼ÐµÐ½ÐµÐ´Ð¶Ð¼ÐµÐ½ÑÐ°. ÐÐ° Ð¾ÑÐ½Ð¾Ð²Ð°Ð½Ð¸Ð¸ Ð¿ÑÐ¾Ð²ÐµÐ´ÐµÐ½Ð½Ð¾Ð³Ð¾ Ð¸ÑÑÐ»ÐµÐ´Ð¾Ð²Ð°Ð½Ð¸Ñ ÑÐ¸Ð½Ð°Ð½ÑÐ¾Ð²Ð¾Ð³Ð¾ Ð¿Ð¾Ð»Ð¾Ð¶ÐµÐ½Ð¸Ñ ÐÐÐ Â«Ð Ð¾ÑÑÐµÑÐ¸ ÐÐµÐ½ÑÐ½ÐµÑÐ³Ð¾Â» Ð¾Ð¿ÑÐ¸Ð¼Ð°Ð»ÑÐ½Ð¾Ð¹ ÑÑÑÐ°ÑÐµÐ³Ð¸ÐµÐ¹ Ð´Ð»Ñ ÑÐ¿ÑÐ°Ð²Ð»ÐµÐ½Ð¸Ñ ÐºÑÐµÐ´Ð¸ÑÐ½ÑÐ¼Ð¸ ÑÐ¸ÑÐºÐ°Ð¼Ð¸ ÐºÐ¾Ð¼Ð¿Ð°Ð½Ð¸Ð¸ Ð±ÑÐ»Ð° Ð²ÑÐ±ÑÐ°Ð½Ð° ÑÑÑÐ°ÑÐµÐ³Ð¸Ñ ÑÐ°Ð·Ð´ÐµÐ»ÐµÐ½Ð¸Ñ ÑÐ¸ÑÐºÐ¾Ð² Ð¿Ð¾ÑÑÐµÐ´ÑÑÐ²Ð¾Ð¼ Ð¸ÑÐ¿Ð¾Ð»ÑÐ·Ð¾Ð²Ð°Ð½Ð¸Ñ Ð´ÐµÑÐ¸Ð²Ð°ÑÐ¸Ð²Ð¾Ð² Ð¸ Ð¿ÑÐ¾Ð¸Ð·Ð²Ð¾Ð´Ð½ÑÑ ÑÐ¸Ð½Ð°Ð½ÑÐ¾Ð²ÑÑ Ð¸Ð½ÑÑÑÑÐ¼ÐµÐ½ÑÐ¾Ð², Ð° ÑÐ°ÐºÐ¶Ðµ ÑÑÑÐ°ÑÐµÐ³Ð¸Ñ ÑÐ½Ð¸Ð¶ÐµÐ½Ð¸Ñ ÑÐ¸ÑÐºÐ¾Ð² Ð¿ÑÑÐµÐ¼ Ð»Ð¸Ð¼Ð¸ÑÐ¸ÑÐ¾Ð²Ð°Ð½Ð¸Ñ.
description: The subject of the graduate qualification work is âCompanyâs credit risk evaluation and managementâ. The given work is devoted to studying financial risks, i.e. credit risks, the methods of credit risks detection, its evaluation and the development of credit risk management strategies. The research set the following goals: 1. Studying features of credit risks for the company that provides services of electricity transition. 2. Detection of credit risks based on companyâs financial report. 3. Evaluation of detected credit riskâs impact on the companyâs efficiency. 4. Development of credit risk management strategies. The work was fulfilled on the premises of PJSC âRosseti Lenenergoâ. Being based on the companyâs accounting report and income and material losses report the analysis of companyâs financial conditions was made including the analysis of asset equity, the analysis of asset and liability turnover, the analysis of liability structure and the analysis of company sustainability. In the course of work, the âsick itemsâ that lead to elevation of companyâs credit risks were discovered. Referring to detected weaknesses of the company the work resulted in calculation of responsiveness to conversion of underlying financial indicators and evaluation of credit risk. In addition, the effective risk management strategies were developed. On the grounds of the conducted studying of the financial conditions of PJSC âRosseti Lenenergoâ the optimal strategy of companyâs credit risks management is the strategy of risks segregation through inserting the derivative financial instruments and the strategy of reduction risks through setting the credit limits.