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The assessment of credit capacity in the aspect of Iowering an individual credit risk
Języki publikacji
Abstrakty
The Polish banking law, unequivocally conditionals allowing the credit up from credit capacity of credit holder defined as ability of paying back the taken credit with its interest in the terms deiinited by the agreement. Approximately, to the law regulations, the banks during the rating of the credit capacity use two criteria. The first one is universal and uniformal, therefore, it concerns the control of bank dues at a fixed time. The second one on ther other hand, the financial and economic rating of the credit holder is not uniformally predetermined and allows various analitical approaches from each bank given separetely. As a rule, it is indicated for necessity of rating the economical and ńnancial situation, by the means of two groups of criteria, which are objective criteria (measurable, quantitative), and the subjective criteria (unmeasurable, qualitative). Nevertheless, choice of the criteria, their rating and value, is up from the bank. The application of the method up to those selected matters, banks estimate in their own rangę on the account of acquired experiences, using other banks models, especially foreign banks.
Słowa kluczowe
Czasopismo
Rocznik
Tom
Strony
719--725
Opis fizyczny
rys.
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autor
autor
- Uniwersytet Szczeciński, Wydział Nauk Ekonomicznych i Zarządzania, Instytut Ekonomiki i Organizacji Przedsiębiorstw, Zakład Analizy Ekonomicznej, ul. Mickiewicza 69, 71-307, Szczecin
Bibliografia
Typ dokumentu
Bibliografia
Identyfikator YADDA
bwmeta1.element.baztech-article-BUS6-0022-0040
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