Integration Of Company's Financial Data In Credit Risk Assessment Using A Multidimensional Model

This paper is a detailed overview from theoretical and practical perspectives of a scoring system used by a financial institution in assessing the credit risk of a corporate client. The objective of this research was to demonstrate the importance of a scoring system for a credit institution when app...

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Bibliographic Details
Published in:Manager (Bucureşti) 2015-01 (22), p.260-270
Main Authors: Haralambie, Maria - Monica, Ionescu, Bogdan Stefan
Format: Article
Language:English
Subjects:
Accounting
Applicants
Banking industry
Banks
Credit analysis
Credit risk
Credit scoring
Debt
Default
Discriminant analysis
Financial institutions
Probability
Profit centers
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Summary:This paper is a detailed overview from theoretical and practical perspectives of a scoring system used by a financial institution in assessing the credit risk of a corporate client. The objective of this research was to demonstrate the importance of a scoring system for a credit institution when approving a loan application of a potential borrower. The complexity and importance of the topic makes it a subject of high interest for all type of credit institutions. We believe that through this work we were able to bring into discussion only a part of the specific issues related to credit risk management scoring systems and we believe that this work represents a support for future research.
ISSN:1453-0503
2286-170X