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Bankernas riskhantering för bolån
Mälardalen University, School of Sustainable Development of Society and Technology.
Mälardalen University, School of Sustainable Development of Society and Technology.
Mälardalen University, School of Sustainable Development of Society and Technology.
2008 (Swedish)Independent thesis Basic level (degree of Bachelor), 10 points / 15 hpStudent thesis
Abstract [sv]

Titel: Bankernas Riskhantering För Bolån.

Författare: Daniel Grufman, Peter Forsberg, Patrik Borg.

Handledare: Mats Viimne.

Nyckelord: Banker, Finanskriser, Riskmanagement.

Syfte: Syftet med vår kandidatuppsats är att undersöka hur de lokala bankernas

riskhantering för bolån fungerar.

Metod: Vi använde en metod som kan ses som en tratt, där vi ser brett på problemet för

att sedan gå ner till på djupet av problemet. Vi gör en kvantitativ undersökning,

där vi utformade problemet för att sedan välja intervjuobjekt. Vi använder oss

av den deduktiva metoden och den deskriptiva/induktiva metoden.

Referensram: Hur uppkommer risker, hur man bedömer risker. Vi går igenom

riskmanagement-processen som är en metod för att skydda sig ifrån risker, som

vi har tillämpat till bankers kreditrisker.

Empiri: Data har vi samlat från olika intervjuer med flera högt uppsatta personer på de

fyra storbankerna i Sverige.

Slutsats Vi har kommit fram till att bankernas nyckelkoncept i riskhanteringen, är att

använda sig av sund kreditgivning. Alla fyra banker som vi undersökte

betonade vikten av att göra ordentliga undersökningar och menar att de var det

absolut bästa sättet att minimera riskerna.

Abstract [en]

Title: Banks Riskmanagement For Mortgages.

Writers: Daniel Grufman, Peter Forsberg, Patrik Borg.

Keywords: Banks, Riskmanagement, Financialcrisis.

Purpose: The purpose with this essay is to examine the riskmanagement process for

mortages in four of the big local banks.

Methodology: We used a method that works like a funnel, where we first looked at the

problem with a wide perspective and then analysed the problem on the depth.

We make a quantitative survey, there we developed the problem first and then

choosed interviewees. We used an deductive method and the descriptive /

inductive method.

Frame of

reference: How risks arises, how do you judge them. We explain the riskmanagement

process wich is a method for protection against risks, as we have used for

bankscredit risks.

Empirical

foundation: We have collected the data from intervjues with several people from the

biggest banks in Västerås.

Conclusions: We have come to the conclusion that the keyconcept for banks with risk is to

use a careful method when dealing with creditsrisk. All of the banks that we

intevjued couldnt stress it enough the importance of thurrowly examinations,

and they said thats absolutley the best way to minimize risks.

Place, publisher, year, edition, pages
2008. , 36 p.
Keyword
bolån, banker, finanskris, bolånekris, riskmanagement
National Category
Business Administration Economics and Business
Identifiers
URN: urn:nbn:se:mdh:diva-4361OAI: oai:DiVA.org:mdh-4361DiVA: diva2:126902
Presentation
2008-11-11, R2-122, Högskoleplan 1, Västerås, 16:00 (Swedish)
Uppsok
samhälle/juridik
Supervisors
Examiners
Available from: 2008-11-27 Created: 2008-11-26 Last updated: 2008-11-27Bibliographically approved

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