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Bankers kreditbedömning av hushåll: En empirisk studie av bankernas riskhantering vid kreditbedömningar
Mid Sweden University, Faculty of Human Sciences, Department of Social Sciences.
Mid Sweden University, Faculty of Human Sciences, Department of Social Sciences.
2009 (Swedish)Independent thesis Basic level (degree of Bachelor), 10 credits / 15 HE creditsStudent thesisAlternative title
Swedish banks credit risk assessment regarding household loans : A qualitative study (English)
Abstract [sv]

Syfte: Syftet är att undersöka bankernas tillvägagångssätt när de lämnar krediter till en kund, vilka skillnader och likheter finns mellan de olika bankerna och på vilket sätt använder de sig av riskhantering vid kreditbedömning av hushåll?

Metod: För insamling av det empiriska materialet har vi använt en         kvalitativ metod, i form av intervjuer med bankchefer. Det empiriska materialet analyserade vi främst utifrån teoretiskt material kring risker och riskmanagement, konkurrens och relationer.

Slutsats: Riskbedömningen hos de olika bankerna görs i stora drag likartat, men det finns skillnader i bankernas hantering när det kommer till handläggarens frihet och hur de personliga relationerna spelar in. Vi kan se att riskhantering sker till stor del reaktivt, bankerna är passiva i förändring av riskhantering och behåller rutinerna så länge som möjligt. Undersökningen visar även att bolånen inte längre är den starka konkurrensfaktorn den tidigare varit för bankerna.

Abstract [en]

Purpose: The purpose is to compare Swedish banks risk management process regarding mortgage loans.

Methodology: For the collection of the empirical evidence, we used a qualitative method, based of interviews with bank executives. We analyzed the empirical evidence on the basis of theoretical material based mostly on different risks, risk management processes, competition, and personal relations.

Conclusions: Risk management of the various banks is broadly similar, but there are some important differences in banks' management such as the administrators’ latitude and the banks perception of personal relationships. The paper also discovers a reactive risk management, banks are passive in the change of management, and keep their routines as long as possible. Finally, the investigation shows that mortgage is no longer as important in competition between banks, as it used to be.

Place, publisher, year, edition, pages
2009. , p. 51
Keywords [en]
credits, mortgage, risk management, banking, households, Sweden
Keywords [sv]
kreditbedömning, bolån, risk management, bank, hushåll, Sverige
National Category
Business Administration
Identifiers
URN: urn:nbn:se:miun:diva-8306OAI: oai:DiVA.org:miun-8306DiVA, id: diva2:134237
Presentation
, Östersund (Swedish)
Uppsok
samhälle/juridik
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Available from: 2009-03-10 Created: 2009-01-19 Last updated: 2009-03-10Bibliographically approved

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CiteExportLink to record
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Citation style
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