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Forecasting Bankruptcy Risk in The contexts of Credit Risk Management - A Case Study on Wholesale Food Industry in Poland

Author

Listed:
  • Rafal Balina

    (Warsaw University of Life Sciences - SGGW)

Abstract

The aim of the article was to identify the key factors influencing the increase in the risk of bankruptcy of companies from wholesale food industry in Poland. In addition, the research aimed to identifying the most effective method of forecasting the risk of bankruptcy of enterprises in the examined industry in the context of risk management in banks. The research showed that three key indicators determining the financial situation of the enterprise were the key for the analyzed industry: ratio of own equity and the revenue from sale; difference between the quick liquidity indicator for the industry and for the company and dynamics of company?s short term liabilities. These variables point to the areas of activity of companies from wholesale food industry, to which banks should pay special attention during the credit risk assessment process.

Suggested Citation

  • Rafal Balina, 2018. "Forecasting Bankruptcy Risk in The contexts of Credit Risk Management - A Case Study on Wholesale Food Industry in Poland," International Journal of Economic Sciences, International Institute of Social and Economic Sciences, vol. 7(1), pages 1-15, May.
    • Handle: RePEc:sek:jijoes:v:7:y:2018:i:1:p:1-15
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    Citations

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    Cited by:

    1. Dominika Gajdosikova & Katarina Valaskova & Tomas Kliestik & Veronika Machova, 2022. "COVID-19 Pandemic and Its Impact on Challenges in the Construction Sector: A Case Study of Slovak Enterprises," Mathematics, MDPI, vol. 10(17), pages 1-20, September.
    2. Rafał Balina & Marta Idasz-Balina, 2021. "Drivers of Individual Credit Risk of Retail Customers—A Case Study on the Example of the Polish Cooperative Banking Sector," Risks, MDPI, vol. 9(12), pages 1-26, December.
    3. Rafał Balina & Marta Idasz-Balina & Noer Azam Achsani, 2021. "Predicting Insolvency of the Construction Companies in the Creditworthiness Assessment Process—Empirical Evidence from Poland," JRFM, MDPI, vol. 14(10), pages 1-16, September.
    4. Marta Idasz-Balina & Rafał Balina & Noer Azam Achsani & Iwona Błaszczak & Grażyna Chrostowska-Juszczyk, 2020. "The Determinants of Cooperative Banks’ Community Service—Empirical Study from Poland," Sustainability, MDPI, vol. 12(5), pages 1-12, March.

    More about this item

    Keywords

    bancruptcy; credit risk; food industry; neutral network; linear discriminat; logistic regresion;
    All these keywords.

    JEL classification:

    • G33 - Financial Economics - - Corporate Finance and Governance - - - Bankruptcy; Liquidation
    • 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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