Credit risk management

Lynn H Miller, Peter J Barry and Paul N Ellinger

American Bankers Association, 1993, vol. 06, issue 3

Abstract: A survey of 402 agricultural banks in Indiana, Illinois, and Iowa on credit risk management found: 1) respondents said borrower quality was easiest to asses for loans secured by farm real estate, followed by loans to finance production; 2) ag production loans were easiest to monitor; 3) past financial performance was the chief creditworthiness distinguishing factor; 4) banks used risk adjusted interest rates more often for production and real estate- secured loans, with another popular risk management strategy being different collateral requirements; 5) payment timeliness was the chief monitoring method, followed by periodic financial reports.

Keywords: Agricultural; Finance (search for similar items in EconPapers)
Date: 1993
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