Keyword: «liquidity»

The article discusses the concepts of liquidity and solvency. Lit methodology of the analysis of solvency and liquidity and the method of calculation of main indicators and ratios analysis

The article discusses the theoretical basis of solvency and liquidity indicators. The definitions of solvency and liquidity from the point of view of various authors are presented, and their comparative characteristics are given. The authors make a summary of solvency and liquidity concepts formulations.

The article discusses the regulation of credit relations by the government, changes in the discount rate of the Central Bank, as well as the level of operations in the open market and the variation in the norms of mandatory reserves for commercial banks in the country. Open market operations include the purchase and sale of certain types of securities by the Central Bank. There is a formation of a market interest rate on borrowed funds in the credit market. The decisions of creditors are directly proportional to the change in interest rates in the credit market. The very demand for a credit is already in inverse proportion to interest rates. Banks and the government can carry out regulation of interest rates. Financial institutions face various types of banking risks in their operations, which differ by various factors. Thus, the effectiveness of risk management is largely dependent on their classification. Risks in banking may lead to a loss of liquidity and lower profits, and therefore banks tend to anticipate risks and try to reduce them.

The article examines the economic nature of credit risk in the banking sector and presents its main characteristics. The authors examine the credit risk analysis of the banking sector organizations at the current stage, provide information on credit organizations with bad debts in the loan portfolio, assess the financial coefficients of the loan portfolio quality and identify the main areas of loan portfolio quality management in modern conditions to maintain the stability of credit organizations and secure a profit.

The article discusses the basics of managing the solvency and solvency of the organization in modern conditions. On the example of an organization engaged in the sale of petroleum products, a liquidity analysis was carried out, a creditworthiness indicator was calculated, and a bankruptcy diagnosis of the enterprise was carried out.