期刊名称：Annals of the University of Oradea : Economic Science
印刷版ISSN：1222-569X
电子版ISSN：1582-5450
出版年度：2007
卷号：XVI
期号：02
页码：604-608
出版社：University of Oradea
摘要：Economic globalization triggers an unprecedented credit expansion, emphasizing the increase in resource
deficit and crediting requirements of transnational entities on the one hand, and also the risk exposure that
credit institutions must systematically face on the other hand. The present study analyses policies that may be
adopted in order to decrease the credit risks, given that crediting is one of the most significant bank operations,
which may generate important profits, but equally higher risks. The present research focuses on synthesizing the
material published by national and international regulators, by relevant bodies in the field, articles that have
been submitted for discussion, and those presented by credit institutions. This productive research we have
undertaken has helped structure the issue of properly applying the monitoring protective measures within the
credit institutions. The need to draft internal credit risk evaluation methods has thus been emphasized. Also
attention has been called to the responsibility of the institution¡¯s management to identify, evaluate, monitor and
cover the risks in order for their consequences to be eliminated or reduced.
关键词：credit risk, protective measures, Basel II Capital Accord
