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Analysis Model of credit Risk


  • Madalina – Gabriela Anghel

    (Universitatea „Artifex” din Bucuresti)

  • Aurelian DIACONU

    (Universitatea “Artifex” din Bucuresti)

  • Georgiana NITA

    (Academia de Studii Economice, Bucuresti)

  • Andreea Ioana MARINESCU


Credit risk can be defined as the risk that arises when the bank customer does not fulfill its obligations in accordance with the terms and provisions of the contract by losses holder of assets. Credit risk represents the most dangerous category of banking risks, as it permeates to the level of a wider range of services and exposures. In the following we present the stages of bank risk taking, credit risk analysis rate in the period 2007-2015 and a financial analysis of the business relationship with the bank.

Suggested Citation

  • Madalina – Gabriela Anghel & Aurelian DIACONU & Georgiana NITA & Andreea Ioana MARINESCU, 2016. "Analysis Model of credit Risk," Romanian Statistical Review Supplement, Romanian Statistical Review, vol. 64(5), pages 43-48, May.
  • Handle: RePEc:rsr:supplm:v:64:y:2016:i:5:p:43-48

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    References listed on IDEAS

    1. Mihaela Cosmina Petre (Nita), 2007. "The Cost of Bank Credit Financing," Acta Universitatis Danubius. OEconomica, Danubius University of Galati, issue 1(1), pages 119-132, September.
    2. Vorniceanu, Marius & Covaci, Brindusa & Cocosatu, Cristinel Claudiu, 2009. "Credit Risk In Financing Sme In Romania," Papers 2009/24, Osterreichish-Rumanischer Akademischer Verein.
    3. Cerasela Pîrvu & Anca Mehedinţu, 2010. "Considerations Concerning The Banking Credit And Its Optimization," Annals of the University of Petrosani, Economics, University of Petrosani, Romania, vol. 10(4), pages 263-272.
    4. Covaci, Brindusa, 2008. "Romanian commercial banks and credit risk in financing SME," MPRA Paper 14790, University Library of Munich, Germany.
    5. Gert Wehinger, 2014. "SMEs and the credit crunch: Current financing difficulties, policy measures and a review of literature," OECD Journal: Financial Market Trends, OECD Publishing, vol. 2013(2), pages 115-148.
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