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- Title
Comparative Study of the Analytical Methods of the Reliability of Economic Operator used by the Main Commercial Banks.
- Authors
MITITELU, Claudia; MITITELU, Andrei-Nicolae; DURAC, Constantin
- Abstract
Credit activity involves taking risks related to the given loans and credit analysis must provide assurances that such risks may be accepted under certain risk conditions and warranties or risks are too high and significantly influence the financial position of the bank and assuming them is not recommended. Banks must ensure customer creditworthiness, which is defined as a state of confidence and expresses the quality of activity performed by it in a previous period, at present, especially in view, namely its ability to repay the loan at maturity and related interest. The development of models able to provide a fair and objective assessment of the financial and nonfinancial of the credit applicant is a major concern of banks both from theoretical and practical plan.
- Subjects
ROMANIA; BANK loan laws; BANKING industry
- Publication
Finance: Challenges of the Future, 2015, Issue 17, p87
- ISSN
1583-3712
- Publication type
Article