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Importance of Credit Risk and Its Connection with Other Risk Factors

Author

Listed:
  • Piciu Gabriela Cornelia

    (Financial and Monetary Research Center „Victor Slãvescu”, Bucharest)

  • Chiþiga Georgiana

    (Financial and Monetary Research Center „Victor Slãvescu”, Bucharest)

Abstract

The article presents a study which aims to analyze the role of credit risk in banking industry. Nowadays the credit risk is still the most important risk in banking. In recent years, many banks have built new businesses – in particular trading operations and services – that generate fees and interest payments. Although banks’ incomes are less dependent from the performance of the loan portfolio, this type of credit risk – loan risk – is still very important. Badly priced loans can damage banks’ capital base seriously. The new traded instruments related from of credit risk – counterparty risk- can create losses as well.

Suggested Citation

  • Piciu Gabriela Cornelia & Chiþiga Georgiana, 2012. "Importance of Credit Risk and Its Connection with Other Risk Factors," Ovidius University Annals, Economic Sciences Series, Ovidius University of Constantza, Faculty of Economic Sciences, vol. 0(1), pages 1599-1605, May.
    • Handle: RePEc:ovi:oviste:v:xii:y:2012:i:12:p:1599-1605
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    More about this item

    Keywords

    credit risk; banking industry; risk management; Basle Capital Accord;
    All these keywords.

    JEL classification:

    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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