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Credit risk assessment: a field research

Author

Listed:
  • Prodromos D. Chatzoglou
  • Ioannis Eleftheriades
  • Evdokia Tsifora

Abstract

Nowadays banks are faced with an increased level of doubtful debts. This research examines some firm- market- and industry-related factors that can be used to explain the level of doubtful debts. Some moderating factors (type, size and duration of the loan) are also considered. The sample is consisted from 129 credit analysts and branch managers from five of the biggest banks operating in Greece. The results suggest that the use of automated credit assessment tools, very good knowledge of the assessment process and rules, and the implementation of suitable control mechanism can help towards reducing the level of doubtful debts.

Suggested Citation

  • Prodromos D. Chatzoglou & Ioannis Eleftheriades & Evdokia Tsifora, 2009. "Credit risk assessment: a field research," International Journal of Economic Policy in Emerging Economies, Inderscience Enterprises Ltd, vol. 2(4), pages 372-390.
    • Handle: RePEc:ids:ijepee:v:2:y:2009:i:4:p:372-390
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