title: ÐÑÑÐ»ÐµÐ´Ð¾Ð²Ð°Ð½Ð¸Ðµ Ð¾ÑÐ³Ð°Ð½Ð¸Ð·Ð°ÑÐ¸Ð¸ ÐºÑÐµÐ´Ð¸ÑÐ¾Ð²Ð°Ð½Ð¸Ñ Ð² ÐºÐ¾Ð¼Ð¼ÐµÑÑÐµÑÐºÐ¾Ð¼ Ð±Ð°Ð½ÐºÐµ (Ð½Ð° Ð¿ÑÐ¸Ð¼ÐµÑÐµ ÐÐÐ Â«ÐÐ°Ð½Ðº ÐÐ¸ÑÐ°Ñ (Ð­ÐÐÐ¡)Â» (Ð¥Ð°Ð±Ð°ÑÐ¾Ð²ÑÐºÐ¸Ð¹ ÑÐ¸Ð»Ð¸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: Research of the lending organization in a commercial bank (on the example of JSCB "Bank of China (ELOS)" (Khabarovsk branch)
Creators: name: ÐÑ Ð¤ÑÐ½
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: 2021
Subjects: ÐºÑÐµÐ´Ð¸ÑÐ½ÑÐµ Ð¾Ð¿ÐµÑÐ°ÑÐ¸Ð¸
Ð±Ð°Ð½ÐºÐ¾Ð²ÑÐºÐ¾Ðµ ÐºÑÐµÐ´Ð¸ÑÐ¾Ð²Ð°Ð½Ð¸Ðµ
ÐºÐ¾Ð¼Ð¼ÐµÑÑÐµÑÐºÐ¸Ð¹ Ð±Ð°Ð½Ðº
ÐºÑÐµÐ´Ð¸ÑÐ¾Ð²Ð°Ð½Ð¸Ðµ Ð² ÐºÐ¾Ð¼Ð¼ÐµÑÑÐµÑÐºÐ¾Ð¼ Ð±Ð°Ð½ÐºÐµ
Ð°Ð½Ð°Ð»Ð¸Ð· ÐºÑÐµÐ´Ð¸ÑÐ½ÑÑ Ð¾Ð¿ÐµÑÐ°ÑÐ¸Ð¹
ÑÑÑÑÐºÑÑÑÐ° ÐºÑÐµÐ´Ð¸ÑÐ½Ð¾Ð³Ð¾ Ð¿Ð¾ÑÑÑÐµÐ»Ñ
credit operations
bank lending
commercial bank
lending in a commercial bank
analysis of credit operations
credit portfolio structure

description: ÐÐ±ÑÐµÐºÑÐ¾Ð¼ Ð¸ÑÑÐ»ÐµÐ´Ð¾Ð²Ð°Ð½Ð¸Ñ ÑÐ²Ð»ÑÐµÑÑÑ ÐÐÐ Â«ÐÐ°Ð½Ðº ÐÐ¸ÑÐ°Ñ (Ð­ÐÐÐ¡)Â» (Ð¥Ð°Ð±Ð°ÑÐ¾Ð²ÑÐºÐ¸Ð¹ ÑÐ¸Ð»Ð¸Ð°Ð»). Ð¦ÐµÐ»ÑÑ Ð²ÑÐ¿ÑÑÐºÐ½Ð¾Ð¹ ÐºÐ²Ð°Ð»Ð¸ÑÐ¸ÐºÐ°ÑÐ¸Ð¾Ð½Ð½Ð¾Ð¹ ÑÐ°Ð±Ð¾ÑÑ ÑÐ²Ð»ÑÐµÑÑÑ Ð°Ð½Ð°Ð»Ð¸Ð· Ð¾ÑÐ³Ð°Ð½Ð¸Ð·Ð°ÑÐ¸Ð¸ ÐºÑÐµÐ´Ð¸ÑÐ¾Ð²Ð°Ð½Ð¸Ñ ÐÐÐ Â«ÐÐ°Ð½Ðº ÐÐ¸ÑÐ°Ñ (Ð­ÐÐÐ¡)Â» Ñ ÑÐµÐ»ÑÑ ÑÐ°Ð·ÑÐ°Ð±Ð¾ÑÐºÐ¸ ÑÐµÐºÐ¾Ð¼ÐµÐ½Ð´Ð°ÑÐ¸Ð¹ Ð¿Ð¾ ÑÐ¾Ð²ÐµÑÑÐµÐ½ÑÑÐ²Ð¾Ð²Ð°Ð½Ð¸Ñ ÐºÑÐµÐ´Ð¸ÑÐ½Ð¾Ð³Ð¾ Ð¿ÑÐ¾ÑÐµÑÑÐ°. ÐÐºÑÑÐ°Ð»ÑÐ½Ð¾ÑÑÑ Ð²ÑÐ±ÑÐ°Ð½Ð½Ð¾Ð¹ ÑÐµÐ¼Ñ Ð·Ð°ÐºÐ»ÑÑÐ°ÐµÑÑÑ Ð²Ð¾ Ð²ÑÐµ Ð²Ð¾Ð·ÑÐ°ÑÑÐ°ÑÑÐµÐ¼ ÑÐ¿ÑÐ¾ÑÐµ Ð½Ð° ÐºÑÐµÐ´Ð¸ÑÐ½ÑÐµ Ð¿ÑÐ¾Ð´ÑÐºÑÑ ÑÐ¾ ÑÑÐ¾ÑÐ¾Ð½Ñ ÐºÐ¾Ð¼Ð¿Ð°Ð½Ð¸Ð¹ Ð¸ Ð½Ð°ÑÐµÐ»ÐµÐ½Ð¸Ñ, Ð² ÑÐ²ÑÐ·Ð¸ Ñ ÑÐµÐ¼ Ð±Ð°Ð½ÐºÐ°Ð¼ Ð¿ÑÐ¸ÑÐ¾Ð´Ð¸ÑÑÑ ÑÐµÑÐ¾ÑÐ¼Ð¸ÑÐ¾Ð²Ð°ÑÑ ÑÐ²Ð¾Ñ ÐºÑÐµÐ´Ð¸ÑÐ½ÑÑ Ð¿Ð¾Ð»Ð¸ÑÐ¸ÐºÑ Ð¸ ÑÐ¾Ð²ÐµÑÑÐµÐ½ÑÑÐ²Ð¾Ð²Ð°ÑÑ ÐºÑÐµÐ´Ð¸ÑÐ½ÑÐµ Ð¿ÑÐ¾ÑÐµÑÑÑ ÐºÐ°Ðº Ñ ÑÐµÐ»ÑÑ Ð¼Ð¸Ð½Ð¸Ð¼Ð¸Ð·Ð°ÑÐ¸Ð¸ ÐºÑÐµÐ´Ð¸ÑÐ½ÑÑ ÑÐ¸ÑÐºÐ¾Ð², ÑÐ°Ðº Ð¸ Ñ ÑÐµÐ»ÑÑ Ð¿Ð¾Ð»ÑÑÐµÐ½Ð¸Ñ Ð¿ÑÐµÐ¸Ð¼ÑÑÐµÑÑÐ² Ð¿ÐµÑÐµÐ´ ÐºÐ¾Ð½ÐºÑÑÐµÐ½ÑÐ°Ð¼Ð¸. ÐÑÑÐµÐ¼ Ð¿ÑÐ¸Ð¼ÐµÐ½ÐµÐ½Ð¸Ñ ÑÐ°ÐºÐ¸Ñ Ð¼ÐµÑÐ¾Ð´Ð¸Ðº, ÐºÐ°Ðº Ð²ÐµÑÑÐ¸ÐºÐ°Ð»ÑÐ½ÑÐ¹ Ð¸ Ð³Ð¾ÑÐ¸Ð·Ð¾Ð½ÑÐ°Ð»ÑÐ½ÑÐ¹ Ð°Ð½Ð°Ð»Ð¸Ð· Ð±Ð°Ð»Ð°Ð½ÑÐ°, Ð°Ð½Ð°Ð»Ð¸Ð· ÐºÑÐµÐ´Ð¸ÑÐ½Ð¾Ð³Ð¾ Ð¿Ð¾ÑÑÑÐµÐ»Ñ, Ð°Ð½Ð°Ð»Ð¸Ð· ÐºÐ»ÑÑÐµÐ²ÑÑ ÐºÐ¾ÑÑÑÐ¸ÑÐ¸ÐµÐ½ÑÐ¾Ð², Ð»Ð¸ÐºÐ²Ð¸Ð´Ð½Ð¾ÑÑÐ¸, Ð·Ð°Ð´Ð¾Ð»Ð¶ÐµÐ½Ð½Ð¾ÑÑÐ¸, Ð±ÑÐ»Ð¸ Ð¿ÑÐ¾Ð°Ð½Ð°Ð»Ð¸Ð·Ð¸ÑÐ¾Ð²Ð°Ð½Ñ Ð¾ÑÐ½Ð¾Ð²Ð½ÑÐµ Ð¿Ð¾ÐºÐ°Ð·Ð°ÑÐµÐ»Ð¸ ÐºÑÐµÐ´Ð¸ÑÐ½Ð¾Ð¹ Ð´ÐµÑÑÐµÐ»ÑÐ½Ð¾ÑÑÐ¸ ÐÐÐ Â«ÐÐ°Ð½Ðº ÐÐ¸ÑÐ°Ñ (Ð­ÐÐÐ¡)Â» Ð·Ð° 2018-2019 Ð³Ð¾Ð´Ñ, Ð° ÑÐ°ÐºÐ¶Ðµ Ð¿ÑÐµÐ´Ð»Ð¾Ð¶ÐµÐ½ ÑÑÐ´ ÑÐµÐºÐ¾Ð¼ÐµÐ½Ð´Ð°ÑÐ¸Ð¹ Ð¿Ð¾ ÑÐ¾Ð²ÐµÑÑÐµÐ½ÑÑÐ²Ð¾Ð²Ð°Ð½Ð¸Ñ Ð¿ÑÐ¾ÑÐµÑÑÐ° ÐºÑÐµÐ´Ð¸ÑÐ¾Ð²Ð°Ð½Ð¸Ñ. ÐÐ¾ ÑÐµÐ·ÑÐ»ÑÑÐ°ÑÐ°Ð¼ Ð¸ÑÑÐ»ÐµÐ´Ð¾Ð²Ð°Ð½Ð¸Ñ Ð±ÑÐ»Ð¾ Ð²ÑÑÐ²Ð»ÐµÐ½Ð¾, ÑÑÐ¾ Ð½Ð° 2019 Ð³Ð¾Ð´ Ð½Ð°Ð±Ð»ÑÐ´Ð°Ð»Ð°ÑÑ Ð¿Ð¾Ð·Ð¸ÑÐ¸Ð²Ð½Ð°Ñ ÑÐµÐ½Ð´ÐµÐ½ÑÐ¸Ñ ÑÐ°Ð·Ð²Ð¸ÑÐ¸Ñ Ð´ÐµÑÑÐµÐ»ÑÐ½Ð¾ÑÑÐ¸ Ð±Ð°Ð½ÐºÐ°, Ð¾Ð´Ð½Ð°ÐºÐ¾ Ð°Ð½Ð°Ð»Ð¸Ð· ÐºÑÐµÐ´Ð¸ÑÐ½ÑÑ Ð¾Ð¿ÐµÑÐ°ÑÐ¸Ð¹ Ð²ÑÑÐ²Ð¸Ð» Ð´Ð¾ÑÑÐ°ÑÐ¾ÑÐ½Ð¾ Ð¾ÑÑÐ¾ÑÐ¾Ð¶Ð½ÑÑ ÐºÑÐµÐ´Ð¸ÑÐ½ÑÑ Ð¿Ð¾Ð»Ð¸ÑÐ¸ÐºÑ. ÐÑÐµÐ´Ð»Ð°Ð³Ð°ÐµÐ¼ÑÐ¹ ÐºÐ¾Ð¼Ð¿Ð»ÐµÐºÑ Ð¼ÐµÑÐ¾Ð¿ÑÐ¸ÑÑÐ¸Ð¹ Ð½Ð°Ð¿ÑÐ°Ð²Ð»ÐµÐ½ Ð½Ð° ÑÐ°ÑÑÐ¸ÑÐµÐ½Ð¸Ðµ Ð³ÐµÐ¾Ð³ÑÐ°ÑÐ¸Ð¸ Ð¿ÑÐ¾Ð´Ð°Ð¶, ÑÐ»ÑÑÑÐµÐ½Ð¸Ðµ ÑÐµÑÐ²Ð¸ÑÐ° , Ð° ÑÐ°ÐºÐ¶Ðµ Ð½Ð°ÑÐ°ÑÐ¸Ð²Ð°Ð½Ð¸Ðµ Ð¾Ð±ÑÐµÐ¼Ð¾Ð² ÐºÑÐµÐ´Ð¸ÑÐ¾Ð²Ð°Ð½Ð¸Ñ Ð½Ðµ ÑÐ¾Ð»ÑÐºÐ¾ ÑÑÐ¸Ð´Ð¸ÑÐµÑÐºÐ¸Ñ, Ð½Ð¾ Ð¸ ÑÐ¸Ð·Ð¸ÑÐµÑÐºÐ¸Ñ Ð»Ð¸Ñ.
description: The object of the research is the Bank of China (JSC). The purpose of the final qualification work is to analyze the credit operations of the Bank of China (JSC) in order to develop recommendations for improving the credit process. The relevance of the chosen topic lies in the ever-increasing demand for credit products from companies and the population, in connection with which banks have to reform their credit policies and improve credit processes both in order to minimize credit risks and in order to gain advantages over competitors. By applying such techniques as vertical and horizontal balance sheet analysis, loan portfolio analysis, analysis of key ratios, liquidity, debt, the main indicators of the Bank of China's lending activity were analyzed for 2018-2019, and a number of recommendations were proposed. to improve its credit process. According to the results of the study, it was revealed that in 2019 there was a positive trend in the development of the bank's activities, however, the analysis of credit operations revealed a rather cautious credit policy. The proposed set of measures is aimed at expanding the geography of sales, improving service, as well as increasing the volume of lending not only to legal entities, but also to individuals.