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The Analysis and Assessment of the Credit Risk


  • Mirea Marioara

    () (“Ovidius” University of Constanta, Faculty of Economical Sciences)

  • Aivaz Kamer Ainur

    () (“Ovidius” University of Constanta, Faculty of Economical Sciences)


The commercial banks main operation is the granting of credits that occupies the first place among the total investments. Any bank assumes risks to a certain extent when granting credits and certainly all the banks generally incur losses when some debtors fail to comply with their obligations. The level of the assumed risks, the losses can be minimized if the credit operations are organized and managed in a professional manner. The paper grasps the moment of the analysis process preceding the granting of the credit that mainly includes the financial analysis of the client, the internal analysis respectively to which non-financial aspects are added.

Suggested Citation

  • Mirea Marioara & Aivaz Kamer Ainur, 2011. "The Analysis and Assessment of the Credit Risk," Ovidius University Annals, Economic Sciences Series, Ovidius University of Constantza, Faculty of Economic Sciences, vol. 0(2), pages 809-814, May.
  • Handle: RePEc:ovi:oviste:v:xi:y:2011:i:9:p:809-814

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    More about this item


    bank; credit risk; financial risk; the points method;

    JEL classification:

    • G20 - Financial Economics - - Financial Institutions and Services - - - General
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages


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