期刊名称：Annales Universitatis Apulensis : Series Oeconomica
印刷版ISSN：1454-9409
出版年度：2006
卷号：3
期号：8
出版社：“1 Decembrie 1918” University of Alba Iulia
摘要：The credit analysis represents the crediting risk evaluation process. The crediting risk must be considered based on what the bank expects achieve as a result of the crediting activities. The credit analyze process has two sides, a quantitative one and a qualitative one. The risk existence produces a risk exposure. This exposure is given by the actual value of all the losses or supplementary expenses that a subject- especially the bankmight have to take on in the future. The banking risk is the element of uncertainty that might interfere with bank activity or with the unfurling of one of its economic and financial operation.
