The assessment of risk management system’s economic efficiency in retail banking
ČlánekOtevřený přístuppeer-reviewedpublishedDatum publikování
2014
Vedoucí práce
Oponent
Název časopisu
Název svazku
Vydavatel
Univerzita Pardubice
Abstrakt
The banking risk management is always a relevant topic in financial sector’s academic literature, but the detailed analysis of current studies showed that there is a lack of studies in risk management’s economic efficiency assessment in retail banking, where the risk management system’s administration cost may be a significant part of total credit
institution’s cost. The scientific problem of this article is: how the economic efficiency
of retail banking risk management system could be defined and assessed? To reach the aim, the risk management’s economic efficiency concept in retail banking is discussed and the risk management system development relevance in the context of economic efficiency is analyzed. The results of research allows concluding that the change of risk management system’s economic efficiency might be expressed as net benefit of risk management, which shows the difference between the change of risk cost and the change of risk management system’s administration cost. The research presented in the article allows stating that the gross and net benefit of the change of risk management system could be used as universal
rates of the economic efficiency of the banking risk management that include all factors
associated with banking risk management system.
Rozsah stran
p. 4-15
ISSN
1211-555X (Print)
1804-8048 (Online)
1804-8048 (Online)
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Zdrojový dokument
Scientific papers of the University of Pardubice. Series D, Faculty of Economics and Administration. 31 (2/2014)
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open access
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Klíčová slova
banking risk, risk management, retail banking, economic efficiency, risk assessment