Debt management in commercial banks

This article is dedicated to a question of management of commercial bank's debt collection, in particular application of complex model of an assessment of the borrower as a method of settlement of debts. The article provides definition of debt. The main characteristics of the existing approaches to work with debt are described. Article contains the description of main objectives to apply a complex model of debt assessment and the main benefits from its application. Also , the article provides information on financial benefits in the case of applying the complex model. This effect is reached by reduction of bank's reserves in a type of minimization of arrears.