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THE CREDIT RISK-COMPONENT OF THE BANKING RISKS

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Author(s): Tirlea Rodica

Journal: Annals of the University of Oradea : Economic Science
ISSN 1222-569X

Volume: 1;
Issue: 2;
Start page: 430;
Date: 2011;
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Keywords: Credit | risk | risk management | risk assumption | financial risk | corporation risk | bad credits

ABSTRACT
The risk management means the risk identification, evaluation, quantification and the strategy to counter and to find solutions and levers which can abate or even eliminate the possibility to appear of the probable consequences if they have place. The credit generates risks. The inadequate financial state of the companies plus the economic conjuncture and the absence of the surveillance are the principal causes of the risks. From the bank perspective, the effects are materialized in total or partial looses of the borrowed capital. As consequence, to avoid these risks or to diminish it, the banks proceed to the carefully analyze of the authorized limits to offer credits, to create immobile and mobile guaranties, the carefully surveillance of the clients activity during all the time of the credit.

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