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New Frontiers In Credit Risk Analysis

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  • Dragos ILIE

Abstract

The emergence of credit risks in recent years has burned the world economy leading to the onset of one of the toughest global economic crisis. Superficiality and incompetence demonstrated by the banking system in credit risk analysis has seen the highest peaks. Banks had as main objective winning new markets at any cost and risk management and banking marketing have known the most serious contradiction. On the one hand, sales of banking products at any price, on the other hand mitigation of banking risks. The paper aims to demonstrate that a new approach is needed in credit risk analysis.

Suggested Citation

  • Dragos ILIE, 2011. "New Frontiers In Credit Risk Analysis," Journal of Applied Economic Sciences, Spiru Haret University, Faculty of Financial Management and Accounting Craiova, vol. 6(1(15)/ Sp), pages 29-33.
    • Handle: RePEc:ush:jaessh:v:6:y:2011:i:1(15)_spring2011:p:127
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    File URL: http://www.jaes.reprograph.ro/articles/spring2011/IlieD.pdf
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    References listed on IDEAS

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    1. Emine Boz, 2009. "Can Miracles Lead to Crises? The Role of Optimism in Emerging Markets Crises," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 41(6), pages 1189-1215, September.
    2. Victoria Geyfman & Timothy J. Yeager, 2009. "On the Riskiness of Universal Banking: Evidence from Banks in the Investment Banking Business Pre- and Post-GLBA," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 41(8), pages 1649-1669, December.
    3. Floarea GEORGESCU, 2010. "The Forecasting And Diagnosis Analysis Of Cash Flows. The Calculation And Covering Of The Treasury Balances," Journal of Applied Economic Sciences, Spiru Haret University, Faculty of Financial Management and Accounting Craiova, vol. 5(4(14)/ Wi), pages 324-341.
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    Cited by:

    1. DragoÅŸ ILIE, 2011. "A Performance Model For The Analysis Of Crediting Businesses In The Field Of Production," Journal of Applied Economic Sciences, Spiru Haret University, Faculty of Financial Management and Accounting Craiova, vol. 6(4(18)/ Wi), pages 286-303.
    2. Octav NEGURIŢĂ, 2012. "The Risk And Fraud Factors In The Contemporary Financial Banking System," Journal of Applied Economic Sciences, Spiru Haret University, Faculty of Financial Management and Accounting Craiova, vol. 7(2(20)/ Su), pages 157-163.

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    More about this item

    Keywords

    credit risk; risk management; banking marketing; financial risk; performance indicators;
    All these keywords.

    JEL classification:

    • 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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