Modern Methods of Credit Risk Management in the Context of Macroeconomic Uncertainty
https://doi.org/10.21686/2413-2829-2026-3-270-278
Abstract
The article provides a comprehensive analysis of credit risks in leasing activities with an emphasis on methods for mitigating them in an unstable economic environment. The relevance of the study is due to an increase in delays in lease payments caused by a drop in traffic volumes and a decrease in revenues of transport companies. The paper considers the main categories of risks, including credit, operational and market risks, and presents methods for assessing the financial condition of lessees using financial coefficients such as coverage and liquidity ratios. The research methodology includes an analysis of the financial and economic indicators of leasing companies for the period 2022–2025 and comprehensive due diligence of clients in order to identify factors contributing to the growth of credit risks. The article describes debt minimization and portfolio management strategies for leasing equipment aimed at preventing a collapse in prices on the secondary market due to the simultaneous release of used equipment. The results of the study demonstrate the effectiveness of using comprehensive methods of risk analysis and control, including modern tools for predicting cash flows based on artificial intelligence and optimizing credit conditions. The author provides practical recommendations for leasing companies and credit institutions on improving financial stability and reducing the risk of non-payments. It is noted that it is important to adapt risk management methods to changing macro-economic conditions in order to ensure the long-term stability of the leasing sector.
About the Author
A. S. Korshikov
Lomonosov Moscow State University ; VTB Leasing
Russian Federation
Russian Federation
Alexander S. Korshikov, Post-Graduate Student of the Departments of Finance and Credit of the Faculty of Economics; Leading Corporate Account Manager
building 46, 1 Leninskie Gory, Moscow, 119991
building 1, 43 Vorontsovskaya Str., Moscow, 109147
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Review
For citations:
Korshikov A.S. Modern Methods of Credit Risk Management in the Context of Macroeconomic Uncertainty. Vestnik of the Plekhanov Russian University of Economics. 2026;(3):270-278. (In Russ.) https://doi.org/10.21686/2413-2829-2026-3-270-278
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