Metode de evaluare şi gestiune a riscului de credit în cadrul băncilor comerciale

Abstract

The process of risk identification is the most important in the process of risk management. If a risk is not identified correctly, then the risk manager will not be able to quantify it and find the proper method of counteracting the significant results of risk exposures. In the last years, modern techniques of identifying exposures in the organizations are being applied to simplify and to exhaust the list of possible risks with which an organization can come across in its activity – risk mapping, risk profiling or risk card.