Methods of the assessment of credit risks in commercial bank within implementation of credit process

In article problems of management and an assessment of credit risks in commercial bank are investigated. Five main spheres of credit process are allocated, factors of credit risk, methods of management of credit risk are defined, objective and subjective techniques of the analysis and an assessment of credit risks are considered, and also the main ways of decrease in risks on the credits in commercial bank are outlined. Main methods of research: formal and logical, system and structural, analogies, generalizations, etc. In the course of work the main components of credit process in commercial bank and ways of effective functioning of credit institution in the conditions of risk have been allocated.