Bank Risk : Managing and analyzing credit risk inside banks

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Bank Risk : Managing and analyzing credit risk inside banks

English | 2021 | ISBN: N/A | ASIN: B098KM4C2Q | 74 Pages | EPUB | 0.25 MB

The management of the bank credit risk is a topic that has been a great object of attention inthe financial sector, reinforced in recent years due to the events surrounding the financial crisis of 2007/2008 and the subsequent progress of the practical control and quantification of the risk of credit.In market economies, the use of bank credit, according to Matos (2014), is today a common financial instrument available both to individuals and companies. The democratization of access to bank credit through cards or the modalities of financing diversified directs us to the research about the different aspects of access to private credit (personal loans, credit to housing, credit card) and to the models of financing of companies.The recent financial crisis showed the weaknesses of the banking system, because the reduction of income of individuals, according to Lopes and Friar (2012), led to situations of non – compliance, but also showed situations of over-indebtedness, in which the families had one worrying level of indebtedness. On the other hand, at the business level and considering the percentage level of small, medium, and large companies existing in Portugal, there were also worrying levels of corporate indebtedness, which in the presence of a recessionary macroeconomic scenario, we’re unable to overcome the difficulties, leading to a large number of company closures and showing that the stock of existing capital was small in the presence of responsibilities assumed with institutions banking.

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