Publication Details
Issue: Vol 7, No 12 (2024)
Pages: 1748-1753
ISSN: 2576-5973

Abstract

This study examines the organizational and legal foundations for assessing the quality and reducing problem assets in commercial banks, focusing on legal frameworks established by relevant laws and regulations. While problem assets remain a critical issue, particularly within credit processes, existing studies provide limited insight into their effective management and resolution. To address this knowledge gap, the research aims to identify key legal and operational challenges associated with problem assets and propose practical solutions. Utilizing a qualitative analysis of legal documents and banking practices, the findings reveal significant gaps in current approaches and highlight strategies to enhance asset quality management. These insights have important implications for policymakers and banking professionals seeking to improve financial stability and operational efficiency.

Keywords
Valuation Assets Commercial banks Loans Financial transactions Risk management Collateral rights Preferential terms Liquidity Reserve resources