System informacyjny banku – integracja procesów zarządzania ryzykiem kredytowym
Banking information system. An integration of credit risk management processes

Summary/Abstract: The author presented a general concept of banking information system regarding credit risk management process. The main elements were presented on the ground of the regulations published by the Basel Committee. The author addressed the issues of interaction between such areas as risk assessment, back-testing and stress testing. He also outlined a comprehensive approach to credit risk policy. Moreover the author showed the proper place in the risk management system for the analysis of adverse scenarios and catastrophic events. Thus, he pointed out a potentially hazardous area for the banking sector. In this article, the benefits resulting from an integration of various processes were presented. Therefore it was shown that the efficiency of credit risk management system depends on the integration of internal processes.

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