CREDIT RISK MANAGEMENT WITH THE PURPOSE OF OPTIMIZING THE PERFORMANCES OF THE FINANCIAL INSTITUTIONS

BĂRBULESCU MARINELA, HAGIU ALINA, BRÎNZEA VICTORIA-MIHAELA
2014 Analele Universităţii Constantin Brâncuşi din Târgu Jiu : Seria Economie  
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
more » ... lihood of encountering serious difficulties, if the debtor is not able to repay the loan.
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