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Practical Aspects Regarding The Enterprise’S Creditworthiness As Method Of Risk Analysys

Listed author(s):
  • Rodica Mariana Tirlea

    (DimitrieCantemir Christian University Bucharest Faculty of Economic Sciences Cluj-Napoca)

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    The company’s creditworthiness is a prudent method of enterprise financial analysis, specific in banks, where enterprises have the quality of loan applicant in relation to bank. The bank tracks the financial indicators, in relation to a pre-established threshold for the value of these indicators. In relation to this threshold, the financial ratios must be higher in order to benefit from funds attracted by the bank. This threshold, we can call the minimum risk or the prudential value for the bank in relation to its customers. Depending on this prudential threshold the creditworthiness of businesses isclassified as: poor, satisfactory, good and very good reliability. This method applied to enterprises offers banks through a relatively simple analysis, the possibility of knowing the performance of a company, in such a manner as to understand the risk they are exposed to.

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    Article provided by Fundația Română pentru Inteligența Afacerii, Editorial Department in its journal Management Intercultural.

    Volume (Year): (2014)
    Issue (Month): 30 (April)
    Pages: 268-273

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    Handle: RePEc:cmj:interc:y:2014:i:30:p:268-273
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