Um procedimento para a decisão de crédito pelos bancos

José Roberto Securato and Rubens Famá

RAC - Revista de Administração Contemporânea (Journal of Contemporary Administration), 1997, vol. 1, issue 1, 101-119

Abstract: Analyzing banks credit allowance procedures, we try to establish formally the evaluation of the credit risk taking into consideration existing subjective aspects. In order to establish a distribution of probabilities where the considered events are the possible results from the analysed credit operations at its maturity. The operational risk factors are obtained from this distribution of probability. Further we present a credit concession criteria and the creation of a banking spread, considering the risk incidence.

Date: 1997
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