• Dr.H.Y.Kamble
• Arati.N.Rawal

Credit risk management policy is one of the most important instrument for sound credit lending practices. It is most necessary for the banks credit risk management, the past banking crisis are big lesson to the banks therefore the CRM policy is an essential element for banking credit decision making process. Which in turn can mitigate and control the risk in the banking business. Most of the research on CRM has focused on the credit risk practices very few studies focused on effect of credit risk management policies that would help the bank in decision making process. This paper is focused on effect of CRM policiesrelated cooperative banks. The suggested CRM to help the banks in their CRM framework, identify areas for monitoring and for improvement as their banking practices.

credit risk policy, management

"APPRAISAL OF CREDIT RISK MANAGEMNT POLICIES IN COOPRATIVE BANKS", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.6, Issue 3, page no.63-71, March-2019, Available :http://www.jetir.org/papers/JETIR1903A08.pdf

"APPRAISAL OF CREDIT RISK MANAGEMNT POLICIES IN COOPRATIVE BANKS", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.6, Issue 3, page no. pp63-71, March-2019, Available at : http://www.jetir.org/papers/JETIR1903A08.pdf