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Integration Of Company’s Financial Data In Credit Risk Assessment Using A Multidimensional Model

Maria – Monica Haralambie () and Bogdan Stefan Ionescu ()
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Maria – Monica Haralambie: Faculty of Accounting and Management Information Systems, Bucharest University of Economic Studies, Romania
Bogdan Stefan Ionescu: Faculty of Accounting and Management Information Systems, Bucharest University of Economic Studies, Romania

Manager Journal, 2015, vol. 22, issue 1, pages 260-270

Abstract: This paper is a detailed overview from theoretical and practical perspectives of a scoring system used by a financial institution in assessing the credit risk of a corporate client. The objective of this research was to demonstrate the importance of a scoring system for a credit institution when approving a loan application of a potential borrower. The complexity and importance of the topic makes it a subject of high interest for all type of credit institutions. We believe that through this work we were able to bring into discussion only a part of the specific issues related to credit risk management scoring systems and we believe that this work represents a support for future research

Keywords: credit risk; scoring; multidimensional model; database; application; corporate clients. (search for similar items in EconPapers)
Date: 2015
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