IDEAS home Printed from https://ideas.repec.org/a/asi/ajoerj/v6y2016i12p294-306id3957.html
   My bibliography  Save this article

Feasibility Study of Credit Risk Rating Systems in Banks

Author

Listed:
  • Lakshmi P

Abstract

Credit risk rating is an important tool used by banks to quantify risk associated with lending. Accuracy of the rating mechanism is an important aspect as it affects the nature and quality of credit decisions made. A wrong rating may affect not only the sustainability and goodwill of the banks; it can even affect the overall economic harmony and balance, as banks are barometers of the economy. Recent global economic crisis of 2008, itself showcases a need for very strict and accurate credit policy. Under this back drop, present study aims to analyze the credit risk rating mechanism of banks. A comparative study of the different risk rating models adopted by public and private banks in Thiruvananthapuram district (Kerala, India) is made and study attempts to determine the lacuna in the present risk rating model, if any. The study aims to provide suggestions to improve the credit risk management of banks.

Suggested Citation

  • Lakshmi P, 2016. "Feasibility Study of Credit Risk Rating Systems in Banks," Asian Journal of Empirical Research, Asian Economic and Social Society, vol. 6(12), pages 294-306.
    • Handle: RePEc:asi:ajoerj:v:6:y:2016:i:12:p:294-306:id:3957
    as

    Download full text from publisher

    File URL: https://archive.aessweb.com/index.php/5004/article/view/3957/6230
    Download Restriction: no
    ---><---

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:asi:ajoerj:v:6:y:2016:i:12:p:294-306:id:3957. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no bibliographic references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Robert Allen (email available below). General contact details of provider: https://archive.aessweb.com/index.php/5004/ .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.