期刊名称：Finante - provocarile viitorului (Finance - Challenges of the Future)
印刷版ISSN：1583-3712
出版年度：2015
卷号：1
期号：17
页码：87-96
出版社：University of Craiova, Faculty of Economics and Business Administration
摘要：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.
关键词：lending policies; system of indicators; financial standing; customer creditworthiness; quantitative indicators (measurable); qualitative indicators (non measurable)
