Appraisal credit analysis as a tool for reducing credit risk

This thesis deals with the bank's credit risk, its characterization and classification, followed-up by methods and tools used to its managing and reducing. The methods used refer to credit rating, credit scoring, credit registers and qualified estimation as subjective assessment element, which is further analysed in detail. In the theoretical part, the thesis defines factors impacting the business risk and provides view on financial risk evaluation. The analytical part deals with specific model credit risk assessment of the selected subject, based on techniques described in the theoretical part. In conclusion, there is evaluation of using various methods and their importance in practice