Model de analiză a riscului de credit
Journal Title: Revista Romana de Statistica - Year 2016, Vol 64, Issue 5
Abstract
Riscul de credit poate fi definit ca riscul care apare atunci când clientul băncii nu își îndeplinește obligațiile, în conformitate cu termenele și prevederile contractului, suferind pierderi deținătorul activelor. Riscul de creditare reprezinta cea mai periculoasa categorie de riscuri bancare, întrucât se infiltreaza la nivelul unei game mai largi de servicii si expuneri. În cele ce urmează vom prezenta etapele parcurse de bancă în asumarea riscului, analiza ratei riscului de credit în perioada 2007-2015, cât și o analiză financiară a întreprinderii în relația cu banca.
Authors and Affiliations
Mădălina Gabriela ANGHEL, Aurelian DIACONU, Georgiana NIŢĂ, Andreea Ioana MARINESCU
Keywords
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