文章基本信息

标题：CREDIT RISK IN THE CONTEXT OF THE WORLD ECONOMIC CRISIS
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作者：Răscolean Ilie
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：2009
卷号：XVIII
期号：03
出版社：University of Oradea
摘要：The risks have always been the subject matter for banking companies. To define a banking activity as one for obtaining a profit it is necessary to take into account the risk factors. For most banks lending is the main banking operation. The risk can be estimated using the credit analysis. The credit analysis – starts from the loan application and ends with the repayment day. In the context of the world economic crisis, in our country, since November 2008 we have noticed an ascending trend of the outstanding credits, both in lei and foreign currency, and because this trend still remains, banks will have to face with big troubles regarding liquidity and solvency.
关键词：credit, credit risk, the management of banking risks, the evaluation of credit risk, the world economic crisis, outstanding credits, bad credits, the methodology of the NBR, backlog, lei credits, foreign currency credits, credit repayment