CONTRIBUTION TO IMPROVEMENT OF CREDIT ANALYSIS TEHNIQUES

Petru Stefea, Andrei Pelin

Abstract


The main purpose of the credit analysis is to identify the risks related to lending transactions, to lay down conclusions about the probability of repayment and recommendations for the type and structure which suits best the client’s needs. Moreover, one final concern of the lending entity is to maximize its profits from each transaction. Thus, this paper is concerned with measuring the risk/return ratio for a lending entity.


Keywords


credit analysis; risk; rating; lending

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References


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Norme si manuale de creditare ale bancilor


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Copyright (c) 2016 Petru Stefea, Andrei Pelin

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LUCRĂRI ȘTIINȚIFICE MANAGEMENT AGRICOL

ISSN print 1453-1410
ISSN online 2069-2307
(former ISSN 1453-1410, E-ISSN 2069-2307)

PUBLISHER: AGROPRINT Timisoara, Romania
PAPER ACCESS: Full text articles available for free
FREQUENCY: Annual
PUBLICATION LANGUAGE: English

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