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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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Published in:Manager (Bucureşti) 2015-01 (22), p.260-270
Main Authors: Haralambie, Maria - Monica, Ionescu, Bogdan Stefan
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Language:English
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Ionescu, Bogdan Stefan
description 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.
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ispartof Manager (Bucureşti), 2015-01 (22), p.260-270
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source ABI/INFORM Global
subjects Accounting
Applicants
Banking industry
Banks
Credit analysis
Credit risk
Credit scoring
Debt
Default
Discriminant analysis
Financial institutions
Probability
Profit centers
title Integration Of Company's Financial Data In Credit Risk Assessment Using A Multidimensional Model
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