Considerations regarding credit portfolio risk management of the banking institution

Ioan Trenca and Mihail-Dragos Bolocan
Additional contact information
Mihail-Dragos Bolocan: Babes-Bolyai University, Cluj-Napoca

Finante - provocarile viitorului (Finance - Challenges of the Future), 2010, vol. 1, issue 11, 84-90

Abstract: Nowadays, the management of credit portfolio is becoming more and more sophisticated, the evaluation and management techniques are being used on a larger and larger scale in order to respond as efficiently and promptly as possible to the associated risks. Romania is, can we say, “at the beginning” as far as the management and the prevention of the risks caused by the credit portfolio are concerned, “beginning” that is although the result of an already experimented and accumulated experience. Embracing the new and modern credit risk management models presupposes the existence of some databases for a sufficient period of time, regarding the probability of different credit events [1], redeem rates in the case of non-reimbursement. We cannot adopt some management models without taking into consideration the characteristics of our country’s economy. To start with there shall be presented some conceptual perspectives of the credit risk. Afterwards, there shall be described some determining factors in the formation of a credit risk. In the end, there shall be presented the impact of the economic crisis upon lending and, last but not least, upon the credit portfolios of the banking institutions.

Keywords: banking system; banking risk; surveillance; rating systems; credit portfolio; investment (search for similar items in EconPapers)
JEL-codes: G01 G20 G21 (search for similar items in EconPapers)
Date: 2010
References: Add references at CitEc
Citations:

Downloads: (external link)
http://feaa.ucv.ro/FPV/011-12.pdf (application/pdf)

Related works:
This item may be available elsewhere in EconPapers: Search for items with the same title.

Export reference: BibTeX RIS (EndNote, ProCite, RefMan) HTML/Text

Persistent link: https://EconPapers.repec.org/RePEc:aio:fpvfcf:v:1:y:2010:i:11:p:84-90

Access Statistics for this article

Finante - provocarile viitorului (Finance - Challenges of the Future) is currently edited by Marin OPRITESCU

More articles in Finante - provocarile viitorului (Finance - Challenges of the Future) from University of Craiova, Faculty of Economics and Business Administration Contact information at EDIRC.
Bibliographic data for series maintained by Alina Manta ().