Ефектите на глобалната финансиска криза врз управувањето со комерцијалните банки – со посебен осврт врз управувањето со кредитниот ризик

Abstract

The last global 2008 financial crisis has seriously questioned the efficiency of the previous models of cooperative management and banks' risk management Therefore the activity break in the real sector had a boomerang effect on the financial sector as well as on the world banks in general. The relevance of the credit risk management is of social meaning and it can serve for future improvement of the banks' management efficiency. By regular and comprehensive management of the credit risk on all levels in the credit process, the credit portfolio of the banks will be improved and will positively enhance the efficiency of the bank management departments. The significance of the financial crisis arising and its effect during and in the post-crisis period, in this doctoral thesis, secures a bigger actual reflection of the situation and at the same time provides directions to perceive the trends that can be used to analyze more future projections and activities in the bank management for credit risk protection. The globalization of the financial markets and the increasing competition of the bank sector set some new clues in the researches of the banks' efficiency. In that context it is very important to emphasize that the commercial banks have the central role in the economic allocation of the countries' resources. The period after the global financial crisis arising in 2008 has proven the need and the crucial importance of the credit risk management concerning its continual measurement and tracing, evaluation and determination of the factors that influence the banks' efficiency through the credit risk management and the accent is put on the one of the most important questions concerning the banks' activities with the market.