Chapter

Credit Risk Analysis

Hrishikes Bhattacharya

in Banking Strategy, Credit Appraisal, and Lending Decisions

Second edition

Published in print October 2011 | ISBN: 9780198074106
Published online September 2012 | e-ISBN: 9780199080861 | DOI: http://dx.doi.org/10.1093/acprof:oso/9780198074106.003.0020
Credit Risk Analysis

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This chapter analyzes why a business or a project fails to meet its debt-service commitments. It is devoted to a full-scale credit risk analysis of a lending decision and pricing of a particular risk category of a borrower, using real-life examples. The approach is kept simple and practical, so that the system proposed can be easily implemented by lending organisations.

Keywords: business risk; sales risk; coefficient of variation; sales forecast; operating risks; financial risk; industry risk; borrower risk; interest rate; debt-service commitment

Chapter.  18112 words.  Illustrated.

Subjects: Financial Markets

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