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Considerations regarding credit portfolio risk management of the banking institution

Listed author(s):
  • Ioan TRENCA
  • Mihail-Dragos BOLOCAN

    (Babes-Bolyai University, Cluj-Napoca)

Nowadays, the management of credit portfolio is becoming more and more sophisticated, the evaluation and management techniques are being used on a larger and larger scale in order to respond as efficiently and promptly as possible to the associated risks. Romania is, can we say, “at the beginning” as far as the management and the prevention of the risks caused by the credit portfolio are concerned, “beginning” that is although the result of an already experimented and accumulated experience. Embracing the new and modern credit risk management models presupposes the existence of some databases for a sufficient period of time, regarding the probability of different credit events [1], redeem rates in the case of non-reimbursement. We cannot adopt some management models without taking into consideration the characteristics of our country’s economy. To start with there shall be presented some conceptual perspectives of the credit risk. Afterwards, there shall be described some determining factors in the formation of a credit risk. In the end, there shall be presented the impact of the economic crisis upon lending and, last but not least, upon the credit portfolios of the banking institutions.

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Article provided by University of Craiova, Faculty of Economics and Business Administration in its journal Finance - Challenges of the Future.

Volume (Year): 1 (2010)
Issue (Month): 11 (May)
Pages: 84-90

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Handle: RePEc:aio:fpvfcf:v:1:y:2010:i:11:p:84-90
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