Comparative Study of the Analytical Methods of the Reliability of Economic Operator used by the Main Commercial Banks

Claudia Mititelu, Andrei-Nicolae Mititelu and Constantin Durac
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Claudia Mititelu: CEC Bank
Andrei-Nicolae Mititelu: University of Craiova Faculty of Economics and Business Administration
Constantin Durac: University of Craiova Faculty of Economics and Business Administration

Finante - provocarile viitorului (Finance - Challenges of the Future), 2015, vol. 1, issue 17, 87-96

Abstract: Credit activity involves taking risks related to the given loans and credit analysis must provide assurances that such risks may be accepted under certain risk conditions and warranties or risks are too high and significantly influence the financial position of the bank and assuming them is not recommended. Banks must ensure customer creditworthiness, which is defined as a state of confidence and expresses the quality of activity performed by it in a previous period, at present, especially in view, namely its ability to repay the loan at maturity and related interest. The development of models able to provide a fair and objective assessment of the financial and nonfinancial of the credit applicant is a major concern of banks both from theoretical and practical plan.

Keywords: lending policies; system of indicators; financial standing; customer creditworthiness; quantitative indicators (measurable); qualitative indicators (non measurable) (search for similar items in EconPapers)
JEL-codes: G00 (search for similar items in EconPapers)
Date: 2015
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Persistent link: https://EconPapers.repec.org/RePEc:aio:fpvfcf:v:1:y:2015:i:17:p:87-96

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