Análise das técnicas de gestão de risco de crédito, que melhorias podem ser introduzidas no actual sistema de análise de crédito bancário em Moçambique para minimizar a situação do crédito mal parado?o caso do Banco Comercial e de Investimentos

Abstract

This paper focuses on credit risk management in banking, with a theoretical analysis of risk management models and their transposition to the practical sphere, embodied in the case study on Banco Comercial e de Investimentos. However, banking faces other risks (liquidity, market, reputational, operational), which this paper does not address, focusing only on credit risk, given its relevance in relation to the previous ones. The approach to credit risk management has been a current concern among modern banks and is the focus of the discussions of the largest banking authority of the 10 richest countries in the world (the Basel Committee). Thus, inherent to the preservation of a sound and solid banking environment reinforced by the need to adapt the system to the reality of the countries of origin of the banking capital, the monetary authority of Mozambique (the Bank of Mozambique) has been adopting some prudential mechanisms (e.g. the solvency ratio of 8%). Finally, credit risk analysis should be more than compliance with the imperatives of legislation, towards the adoption of internal models of control and risk mitigation, especially since it is in the interest of the banks themselves to reduce defaults for the sake of their continuity.(TRADUÇÃO NOSSA)