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Importance of Assessing and Managing Credit Risk in Banking Institutions

Author

Listed:
  • Florea Dragos

    (Valahia University of Targoviste)

Abstract

Credit market is in a continuous and complex process of adaptation of offered products and services, duet o the competition between banks, competition generated also by the globalization effects of economic activities. In these terms, the banks are obligated to consolidate their position on the market by identification the ratio between risk and profit, so that it can be assured business continuity. For the banks to be able to maintain on the market it is necessary that they comply with the standards and the regulations on credit risk assessment and management. A performance banking strategy should include clearly defined programs and measures for assessing and managing credit risk, measures that have to minimize potential exposure to bank risk and maximizing the profits.

Suggested Citation

  • Florea Dragos, 2012. "Importance of Assessing and Managing Credit Risk in Banking Institutions," Ovidius University Annals, Economic Sciences Series, Ovidius University of Constantza, Faculty of Economic Sciences, vol. 0(1), pages 1419-1422, May.
    • Handle: RePEc:ovi:oviste:v:xii:y:2012:i:12:p:1419-1422
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    More about this item

    Keywords

    credit risk; identification of risk; assessing the risk; managing the risk; banking performance.;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G32 - Financial Economics - - Corporate Finance and Governance - - - Financing Policy; Financial Risk and Risk Management; Capital and Ownership Structure; Value of Firms; Goodwill

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