CREDIT MANAGEMENT RISK IN A COMMERCIAL BANK

Z namenom, da ohranijo konkurenčno prednost banke ponujajo nove inovativne produkte. Pri tem se soočajo z različnimi tveganji. Da ne propadejo, morajo celovito obvladovati vsa tveganja. Največje in najpomembnejše tveganje, s katerimi se banke soočajo, je kreditno tveganje. Opredelimo ga kot verjetnost, da posojilojemalec ne bo poravnal obveznosti iz kreditne pogodbe ob zapadlosti.In a dynamic business environment banks offer new, innovative products in order to keep the competitive edge over their opponents. Thus banks face various risks. With the goal set - not to go bankrupt they have to know and manage all the risks. The most important of all banking risks is credit risk