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Credit Risk Management With The Purpose Of Optimizing The Performances Of The Financial Institutions

Author

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  • BARBULESCU MARINELA

    (UNIVERSITY OF PITESTI, PITESTI, ROMANIA Author-Name: HAGIU ALINA
    UNIVERSITY OF PITESTI, PITESTI, ROMANIA)

  • BRINZEA VICTORIA-MIHAELA

    (UNIVERSITY OF PITESTI, PITESTI, ROMANIA)

Abstract

Any loan transaction is accompanied by a risk: the probability that the borrower will not honor its commitment. The assessment of the risk is of paramount importance to the lender, since the enterprises are quite frequently facing difficulties (default, bankruptcy), and, since the consequences of these difficulties seriously affect the economy. Regarding the creditor, the existence of this risk affects his hope to earn profit from the lending operations and increases the likelihood of encountering serious difficulties, if the debtor is not able to repay the loan.

Suggested Citation

  • Barbulescu Marinela & Brinzea Victoria-Mihaela, 2014. "Credit Risk Management With The Purpose Of Optimizing The Performances Of The Financial Institutions," Annals - Economy Series, Constantin Brancusi University, Faculty of Economics, vol. 1, pages 208-212, February.
    • Handle: RePEc:cbu:jrnlec:y:2014:v:1:p:208-212
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    References listed on IDEAS

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    1. Jamal Ibrahim Haidar, 2012. "Sovereign Credit Risk in the Eurozone," World Economics, World Economics, 1 Ivory Square, Plantation Wharf, London, United Kingdom, SW11 3UE, vol. 13(1), pages 123-136, January.
    2. Allen, Bill & Chan, Ka Kei & Milne, Alistair & Thomas, Steve, 2012. "Basel III: Is the cure worse than the disease?," International Review of Financial Analysis, Elsevier, vol. 25(C), pages 159-166.
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