The improvement of credit operations` management in commercial banks of Ukraine in the conditions of financial crises

The article is devoted to the improvement of credit operations` management in commercial banks of Ukraine in the conditions of financial crises. The estimation of the quality of credit operations, the credit policy and authenticity implementation of norms of credit activity of the most representative banks of Ukraine of four groups in size of assets during 2011-2014 is given. We found out the reasons of appearance of considerable parts of problem with credit operations of commercial banks of Ukraine. We had developed the ways of the perfecting of management of credit operation of commercial banks of Ukraine. We offer to change the heads of financial management in Ukraine. We offer to bring to trial the previous heads of financial management in Ukraine who ruled during 2011-2014 years. We offer to owners of commercial banks and the Regulator to reimburse by their own funds and property the debts to the depositors. We offer to forbid banks to lend their owners and top-managers. We offer to regulator to force commercial banks to carry out economic standards. We offer to change managers of risk management department, the credit committee, department of internal audit, credits department and others. We offer to tighten control on the knowledge and implementation of credits policy of employees of commercial banks of Ukraine. We offer to reveal the lending policies of commercial banks in Ukraine to enable evaluation, correction and improvement specialists.

We offer to develop and implement modern educational programs for professional education and training of specialists of banks. We offer to hire staff in banks only in the specialty for which they were educated. We offer to hire in banks on a competitive basis, and not on personal ties or other reasons.We offer to increase the requirements for the professionals of department of risk management, the credit committee, department of internal audit, credits department and others.

We offer to increase the demands on the creditworthiness of borrowers of commercial banks.

We offer to commercial banks to develop and implement ways to reduce the impact of the financial crisis on the finances of borrowers.We offer to publish internal regulations of banks, which determine the order and procedures of internal control and risk management, credit process for their evaluation and improvement specialists.We offer to increase the number of state-owned banks.

We offer to the organs of state financial management of Ukraine to develop and implement a program of massive public works to reduce the financial crisis in Ukraine.

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