Facultatea de Ştiinţe Economice / Faculty of Economic Sciences

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    METODE DE ANALIZĂ A SOLVABILITĂŢII SOLICITANŢILOR DE CREDIT
    (CEP USM, 2013) Canţir, Anastasia
    This study is devoted to research the particularities of crediting activity in commercial banks of the Republic of Moldova, especially the economicfinancial and non-financial aspects of the solvency of credit borrowers. The actuality of the subject is determined by the need for a more cautious analysis and monitoring the solvency of potential borrowers, from banks, for the credit risk to be detected before the loan is granted because one of the problems faced by financial institutions in current economic conditions is the inability of customers to honor its obligations at maturity.
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    ABORDAREA SIMPLIFICATĂ FAŢĂ DE ESTIMAREA RISCULUI DE CREDITARE ÎN ACTIVITATEA BANCARĂ
    (CEP USM, 2008) Bunescu, Gheorghe
    Credit risk modeling is one of the most important components of the modern risk-management system. It takes the central part in the International Convergence of Capital Measurement and Capital Standards (a revised framework) published by the Basel Committee on Banking Supervision in June 2004. In spite of the significant theoretical achievements in this field, aspects, related to the application of the risk -management models in the pract ical commercial banks activity, are still pressing nowadays. A simplified a pproach to the estimation of the credit risk assumed by a bank is described in this work. It is based on the internal credit statistics, can be realized in the condition of the transition economy and can be also used for the purpose of scenarios analysis.