APPLICATION OF THE METHODOLOGY FOR DETERMINING THE MAIN STRUCTURAL PARAMETERS OF THE LOAN PRICE

Abstract

The purpose of the article is to determine the main structural parameters of the loan, methods of calculating interest on the loan and calculating the level of interest rate on the loan in conditions of inflation and war. The theoretical basis of the study is the scientific works of domestic scientists on the problem under study, the method of analysis and synthesis in the study and generalization of domestic experience in managing the parameters of credit, its cost and risk; parametric methods of measurement, abstract – logical – in substantiating theoretical generalizations and conclusions. The article studies the main structural parameters of the loan, this methodology of applying the pricing mechanism for loans allows you to determine the price of the loan for each borrower assigned to a particular category based on data on the required rate of return on equity of the bank, its operating costs, taking into account credit risk. It is proposed to use the accrual of interest by the annuity method in conditions of high inflation in long-term lending, the risks of which increase the time factor and inflation expectations. The use of the Fisher formula for the correct determination of the level of interest rate on the loan in conditions of inflation, this method of interest accrual can be considered as a natural protection of the bank from credit risk. It is substantiated that the creation of provisions for bad loans to maintain the liquidity of bank assets will ensure stable conditions of financial activity and limit credit risk. It studies introduction of changes by the National Bank of Ukraine into a number of normative legal acts that define prudential approaches to assessment of credit risk. These changes are aimed at ensuring timely and adequate assessment of credit risk by banks, preventing the loss of liquidity by banks, which in general should contribute to ensuring their stable operation and ability to properly fulfill their obligations to depositors and other creditors. Development and implementation in practice of such pricing models allow to have perspective benchmarks in pricing, coordinated with the credit strategy of the bank, which will ultimately ensure the efficiency of its lending activitie.