LTPalūkanos, gautos už suteiktas paskolas, - pagrindinis bankų pajamų šaltinis, tačiau, kaip ir visos investicijos, kreditų teikimas susijęs su atitinkamo dydžio rizika netekti laukiamo rezultato. Apie fizinių asmenų kreditingumą bankai Lietuvoje daugiausia sprendžia iš šeimos (asmens) pajamų. Straipsnyje išnagrinėsime galimas fizinių asmenų kreditavimo rizikos valdymo problemas ir pasiūlysime metodą, kaip nustatyti kritinių šeimos pajamų dydį nuo kurio gyventojai įgyja teisę gauti paskolą. [Iš leidinio]Reikšminiai žodžiai: Fiziniai asmenys; Fizinių asmenų kreditavimas; Kreditavimas; Kreditingumas; Kritinės pajamos; Rizika; Rizikos valdymas; Crediting; Crediting of physical persons; Creditworthiness; Critical incomes; Physical person; Risk management; Risks.
ENThe main criterion by which banks decide about a family's (person's) possibilities to return credit is a family's (person's) month incomes. These incomes must be not lower than critical incomes set by the bank. We apprise calculation method of lower incomes set by the bank and have found it incomplete. After that we have offered our new method for calculating the above mentioned incomes. This new method corresponds to the real incomes needed by a family (person) to cover their expenses during the month and to pay the bank more precisely. These critical lower incomes become lower comparing to the calculated incomes by the bank to potential recipient of the loan. This difference between the incomes calculated by the bank and incomes calculated by the proposed method increase if the number of persons in the family is growing up. In the other part of the article we look over other credit risk management problems when a loan is given to a family (person). It is important to note that methods for family (person) solvency apprising are imperfect. [Text from author]