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Banking Models To Determine The Creditworthiness


  • Viorica IOAN

    (Universitatea Dunarea de Jos din Galati, Facutatea de Eonomie si Administrarea Afacerilor, Romania)


In the current economic situation, the issue of the bank risk management is becoming more present, and the notion of "risk" gets increasingly complicated and controversial meanings.Credit analysis implies, the bank, based on information provided by the accounting documents provided by the client and relevant information from different sources to assess whether the client has the creditworthiness needed for credit, if he has the capacity to pay their debts and to assume them by signing the credit.Thus, the bank aims to limit the maximum exposure to credit risk. Given the complexity of risks in banking activity, customer creditworthiness is an important area of research and application. We considered extremely important in analyzing the creditworthiness of customers both lending decision and determining banking and financial performance, focusing on the relationship risk-banking performance. This relationship is relavant for a trader whose specific activity involves a degree of risk in proportion to the potential gain from the operation undertaken.

Suggested Citation

  • Viorica IOAN, 2013. "Banking Models To Determine The Creditworthiness," Management Intercultural, Fundația Română pentru Inteligența Afacerii, Editorial Department, issue 29, pages 191-200, October.
  • Handle: RePEc:cmj:interc:y:2013:i:29:ioani

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    Creditworthiness; Performance; Risk; Management; Profit; Credit;

    JEL classification:

    • E51 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit - - - Money Supply; Credit; Money Multipliers
    • E58 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit - - - Central Banks and Their Policies
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages


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