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ترجمه.docx
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  In the Name of God  Transparency and public disclosure  of information On the other hand, using of financial information, the following five indicator  to determine the degree of credit risk. The ratio of delayed and past due receivables to total facilities Annual contingency reserve ratio of losses facilities to total facilities or total equity of stackholders      Reserve ratio for suspected receivables to collect   to total reserves    The ratio of bad debts to total loans    The ratio of Unrealized assets to total facilities 4. What is certain that the cost of prevention strategies to reduce credit risk is much less than equal treatment with regard to the review carried out That one of the major factors in the increased demands of the banking system in reputation deficiency is another factor that can could prevent banks from increasing non-current receivables and reduce credit risk, so to speak, in addition to Validation of proper oversight of how and where facilities are taking in this regard, as in as explained in previous  paragraphs bank validation process acceptable conditions and the necessary monitoring How to use the facility comes into operation. In addition to lending the necessary predictions and may also reduce the risk of obtaining collaterals. Therefore, banks provide credit received collaterals for lending to priority and are classified below Is . 1 Cash groups consist of deposits, bonds, certificates of deposit, bank guarantees and access to the rights of the target society, which is one of the surest ways to collect installments. 2 residential immovable collaterals and easy Vending. - 9 other collaterals such as binding contracts, promissory notes, bills, warehouse and stock companies listed on the stock exchange 1 Small Industries Guarantee Fund Guarantee 5 combinations of two or more of the above-mentioned collaterals -And how to get the collaterals as well as other factors are reducing credit risk. That condition Bank for its audience From the perspective of the customer and ensuring appropriate conditions for the return of resources has forecast. According to the request for payment of credit history, types of jobs and economic activity in previous years, capacity The applicant is determined. On the other hand, using financial information, the following five criteria to determine the degree of risk Credit is calculated.The ratio of non-performing loans and past due loans to total - Annual contingency reserve ratio to total loans and total equity loan losses Reserve ratio for bad debts to total reserves. The ratio of bad debts to total loans Unrealized assets to total loans . 4. What is the cost of prevention strategies to reduce credit risk is much less than equal treatment with regard to the review carried out -  That one of the major factors in the increased demands of the banking system in reputation deficiency is another factor that can could prevent banks from increasing non-current receivables and reduce credit risk, so to speak, in addition to validation of  proper oversight of how and where facilities are taking in this regard, as in As explained in previous paragraphs bank validation process acceptable conditions and the necessary monitoring How to use the facility comes into operation. In addition to lending the necessary predictions and may also reduce the risk of obtaining collaterals - Therefore, banks provide credit received collaterals for lending to priority and are classified below Is . 1 Cash consists of deposits, bonds, certificates of deposit, bank guarantee and access to The rights of the target population, which is one of the surest ways to collect installments. 2 residential immovable collaterals and easy Vending. - 9 other collaterals such as binding contracts, promissory notes, bills, warehouse and stock companies listed on the stock exchange - 1 Small Industries Guarantee Fund Guarantee - 5 combinations of two or more of the above-mentioned collaterals - And how to get the collaterals as well as other factors are reducing credit risk. That condition Bank for its audience - From the perspective of the customer and ensuring appropriate conditions for the return of resources has forecast. 6 In addition to the above, one of the programs that are under way to use a credit insurance on request - And customer satisfaction with the return of installment premiums paid by insured  banks and guarantee customer needs to introduce sponsor Or will not provide collateral. 3 the amount of capital needed to cover credit risk - Measuring the amount of capital required to cover credit risk on capital adequacy index is calculated Be. In this regard, the Bank has attempted to improve these indicators is that it would  be seeking to raise capital To strengthen its financial base and subsequently cover credit risks. 15 receive collaterals for items subject to credit risk criteria - Lending and liability cash collaterals and guarantees, including group (types of deposits, bonds Participation and commitment pay the bank guarantee in favor of Post Bank (immovable property, promissory notes and binding contract without bail and As well as combinations of two or more of the above collaterals are done. Accept any of the documentation with respect to the risk Customer and credit rating criteria and according to Iranian reports and the opinion of the relevant credit references is done. 11 control mechanisms and monitoring credit risk -  The amount and composition of the portfolios of banks according to common risk indicators and guidelines issued by just under Review and make any necessary changes to suit the economic conditions is done about it. Risk monitoring Through their separation and classification of the current credit facility, maturing past,  pending and doubtful for the Accepts. The test hypothetical shocks of the crisis on each of the classes studied and analyzed results Takes. Another important indicator for monitoring credit risk, which is the ratio of claims expenses This ratio also extracted and analyzed is placed daily. 12 How - Non-Current facilities management and their related reserves As previously mentioned, makes preventive measures the amount of non-current receivables from banks, too However, in order to collect receivables do not exceed acceptable non-current fast and timely return of resources committees 1944/54 / follow-up collection of receivables, non-current based on the provisions of the decree of Council of Ministers No. 155 254 dated 147(Ies). About how to manage non-current loans and reserves based on instructions by the following agencies Reserves based on guidelines by the concerned departments Done . While the specific demands of the Supreme Committee for debt collection cases and some cases demands Which will act to settle its debt to the introduction of real estate property by a bank to compromise and Placed to decide. In addition to the above tools, IVR and send notices through the post to Used to follow up and collection of receivables. The amount of reserves related to non-current loans based on Rules and regulations issued by the central bank to compute and storage demands of items is presented. (B) liquidity risk management Lack of maturity match between assets and liabilities of the banking industry's biggest challenges, thus creating The balance between short-term financial obligations and long-term investments of liquidity required to hold values that this There is also a certain type of inefficient allocation of resources. Lack of liquidity and lack of confidence in the banks as well as changes They are in the money markets that the Bank's resources, liquidity risk is the cause. Liquidity risk and other risks Related financial and therefore is difficult to measure and control it. The main task of the bank balance Short-term investments and long-term financial commitments to Nhvykh with the lowest cost of financing and in front of the The opportunity cost) cost of holding cash (the balance of nature. 1 liquidity risk management policies and policy - Post Bank with the aim of maintaining an appropriate level of liquidity to meet unexpected outflow And avoid spending considerable funds to their policies and policies as has Zyrtyyn:  Continuous monitoring of the liquidity situation, sources and uses items and items related goals - Assessing and monitoring the impact of economic variables on the sources and uses of the bank - Observing the behavior of macro-bank customer deposits according to their effect on the liquidity situation of banks - The use of static and dynamic liquidity gap tables that can be based on different classes when the liquidity situation - Banks show. Bank crisis and analyzed using multiple scenarios based on the liquidity gap tables - Liquidity needed to assess Committee sources and uses of liquidity risk management and performance measurement provinces and territories - The committee responsible for managing the bank's liquidity in normal conditions and the crisis management of the resources entrusted cost money, management Liquidity indicators, ratios of resources and expenditure, interest rates and Resource Mobilization transactions according to reports received from Units are concerned. Managing branches - Moreover branches Management periodically check the status of bank liquidity in the form of reports, resources and expenditures, status Attracting deposits and expenditures compared with the objectives to monitor and evaluate the key factors affecting Nmayd.hmchnyn On the resources and expenditure and behavior of customer deposits major banks also need to assess and report to senior officials Bank Offers. Office of Risk Management - Since the object mismatch between assets and liabilities based on the liquidity gap analysis based on Structured tables is done, the issue of future cash flows by the Office of Risk Management in the form of tables, It is modeled after receiving complete information from systems that follow the ups and Symya, liquidity gap each Subordinate units of the bank branch level to the national level can be calculated. The various scenarios in order to Early identification liquidity gap and develop appropriate solutions to reduce liquidity risk is presented. -1 Input rate and monetary obligations in future periods By goals and prospects of the bank in future periods per year and the amount of resources as target Deposit will be announced for the branches, as well as the obligations of each period is determined by observing the maturity deposits Be. -2 Continuity program According to the daily reports and use bank resources, the realization of the objectives of the bank and also check status indicators  And proportions, its liquidity on a daily basis by the Department of Treasury and manages the exchanges. -9 Crisis program Banks in crisis situations to manage the costs of action are as follows: Bank expenses including facility management prioritize recipients - Apply incentive policies to attract resources, including preferential interest rates - Evaluating the situation in the interbank market with the aim of securing the required resources and prevent the continuation of the debtor - Account at the central bank Continuous assessment of the situation in the Committee of sources and uses of the  bank - -1 Liquidity risk measurement method  Now the banks on the basis of the calculation and analysis of the liquidity ratios to risk assessment Track their cash. In this connection, and in order to accurately assess liquidity risk liquidity gap calculation program While in both dynamic and static testing for evaluation of bank liquidity crisis in the  pessimistic Actions. Mechanisms of control and monitoring of liquidity risk Table extraction of resources and expenditure in the regions and liquidity ratios calculated and monitored - Their status At the macro level extraction and monitoring the status of bank liquidity ratios and topics that affect it - Action in order to extract the liquidity gap based on different classes once and for all  banks Streaming - In both static and dynamic funds where possible to assess all current pending) items top and bottom line (provided will be. (C) operational risk management - Among the most important risks that banks are exposed almost all activity, operational risks. These risks arising from inappropriate and inadequate processes and procedures, or caused by the outbreak of internal systems Events outside the bank credit is so extensive that it is sometimes possible effects of  bankruptcy Credit institutions lead. 1 continuity plan - Information required to monitor and assess the operational risk management in each of the relevant units), protective, legal inspection And audit and ..... (is received and then calculate and analyze the data and compare the results with previous periods Programs for continuity and progress in operational risk management activities is explained. Intentional and unintentional human errors preventive measures 2 -
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