The Analysis and Assessment of the Credit Risk

Mirea Marioara () and Aivaz Kamer Ainur ()
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Mirea Marioara: “Ovidius” University of Constanta, Faculty of Economical Sciences
Aivaz Kamer Ainur: “Ovidius” University of Constanta, Faculty of Economical Sciences

Ovidius University Annals, Economic Sciences Series, 2011, vol. XI, issue 2, 809-814

Abstract: The commercial banks main operation is the granting of credits that occupies the first place among the total investments. Any bank assumes risks to a certain extent when granting credits and certainly all the banks generally incur losses when some debtors fail to comply with their obligations. The level of the assumed risks, the losses can be minimized if the credit operations are organized and managed in a professional manner. The paper grasps the moment of the analysis process preceding the granting of the credit that mainly includes the financial analysis of the client, the internal analysis respectively to which non-financial aspects are added.

Keywords: bank; credit risk; financial risk; the points method (search for similar items in EconPapers)
JEL-codes: G20 G21 (search for similar items in EconPapers)
Date: 2011
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Persistent link: https://EconPapers.repec.org/RePEc:ovi:oviste:v:xi:y:2011:i:9:p:809-814

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