Risk analysis in credit activity

Florea Dragos and Florea Nicoleta Valentina ()
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Florea Nicoleta Valentina: Valahia University of Targoviste,

Ovidius University Annals, Economic Sciences Series, 2010, vol. X, issue 1, 1588-1592

Abstract: The present period is characterized by extensive processes of economic and financial turbulence, both in terms of companies and in terms of banking companies, having as objectives the promotion and the implementation of some methodologies apllied on European and global level. The purpose of credit analisys is to avoid loss of profit due to bad debt, because of granting loans to customers who cannot refunded debt or because of not granting loans to good potential customers. From this perspective risk analysis in lending activity represents an area of major importance in lending activity, finally expressing opinion about sincerity certification of financial statements, the confirmation of the legal provisions in force, the followingof the management principles of companies under review.

Keywords: credit risk; lending activity; bank companies; credit analysis; performance. (search for similar items in EconPapers)
JEL-codes: J21 J32 (search for similar items in EconPapers)
Date: 2010
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Persistent link: https://EconPapers.repec.org/RePEc:ovi:oviste:v:10:y:2010:i:1:p:1588-1592

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