Importance of Assessing and Managing Credit Risk in Banking Institutions

Florea Dragos ()
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Florea Dragos: Valahia University of Targoviste

Ovidius University Annals, Economic Sciences Series, 2012, vol. XII, issue 1, 1419-1422

Abstract: Credit market is in a continuous and complex process of adaptation of offered products and services, duet o the competition between banks, competition generated also by the globalization effects of economic activities. In these terms, the banks are obligated to consolidate their position on the market by identification the ratio between risk and profit, so that it can be assured business continuity. For the banks to be able to maintain on the market it is necessary that they comply with the standards and the regulations on credit risk assessment and management. A performance banking strategy should include clearly defined programs and measures for assessing and managing credit risk, measures that have to minimize potential exposure to bank risk and maximizing the profits.

Keywords: credit risk; identification of risk; assessing the risk; managing the risk; banking performance. (search for similar items in EconPapers)
JEL-codes: G21 G32 (search for similar items in EconPapers)
Date: 2012
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Persistent link: https://EconPapers.repec.org/RePEc:ovi:oviste:v:xii:y:2012:i:12:p:1419-1422

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