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Practical Aspects Regarding The Enterprise’S Creditworthiness As Method Of Risk Analysys

Author

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  • Rodica Mariana Tirlea

    (DimitrieCantemir Christian University Bucharest Faculty of Economic Sciences Cluj-Napoca)

Abstract

The company’s creditworthiness is a prudent method of enterprise financial analysis, specific in banks, where enterprises have the quality of loan applicant in relation to bank. The bank tracks the financial indicators, in relation to a pre-established threshold for the value of these indicators. In relation to this threshold, the financial ratios must be higher in order to benefit from funds attracted by the bank. This threshold, we can call the minimum risk or the prudential value for the bank in relation to its customers. Depending on this prudential threshold the creditworthiness of businesses isclassified as: poor, satisfactory, good and very good reliability. This method applied to enterprises offers banks through a relatively simple analysis, the possibility of knowing the performance of a company, in such a manner as to understand the risk they are exposed to.

Suggested Citation

  • Rodica Mariana Tirlea, 2014. "Practical Aspects Regarding The Enterprise’S Creditworthiness As Method Of Risk Analysys," Management Intercultural, Romanian Foundation for Business Intelligence, Editorial Department, issue 30, pages 268-273, April.
    • Handle: RePEc:cmj:interc:y:2014:i:30:p:268-273
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    More about this item

    Keywords

    enterprise; indicators; company credit worthiness; prudential threshold; risk exposure; consumer protection;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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