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Um procedimento para a decisão de crédito pelos bancos

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  • José Roberto Securato
  • Rubens Famá

Abstract

Analyzing banks credit allowance procedures, we try to establish formally the evaluation of the credit risk taking into consideration existing subjective aspects. In order to establish a distribution of probabilities where the considered events are the possible results from the analysed credit operations at its maturity. The operational risk factors are obtained from this distribution of probability. Further we present a credit concession criteria and the creation of a banking spread, considering the risk incidence.

Suggested Citation

  • José Roberto Securato & Rubens Famá, 1997. "Um procedimento para a decisão de crédito pelos bancos," RAC - Revista de Administração Contemporânea (Journal of Contemporary Administration), ANPAD - Associação Nacional de Pós-Graduação e Pesquisa em Administração, vol. 1(1), pages 101-119.
    • Handle: RePEc:abg:anprac:v:1:y:1997:i:1:6
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