INTERNAL RATING – AN ACTIVE INSTRUMENT IN THE MANAGEMENT OF BANKING RISKS. CASE STUDY BCR
This paper aims to clarify some aspects regarding the banking activity in general, of crediting, in particular, because it involves a risk by the very elements of anticipation underlying the decision of the banking specialists. For the bank it is very important to know this risk, to make an evaluat...
| Main Author: | |
|---|---|
| Format: | Article |
| Language: | English |
| Published: |
“Victor Slăvescu” Centre for Financial and Monetary Research
2013-06-01
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| Series: | Financial Studies |
| Subjects: | |
| Online Access: | http://fs.icfm.ro/vol17i2p21-30.pdf |
| _version_ | 1797726150853656576 |
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| author | PhD Gabriela Cornelia Piciu |
| author_facet | PhD Gabriela Cornelia Piciu |
| author_sort | PhD Gabriela Cornelia Piciu |
| collection | DOAJ |
| description | This paper aims to clarify some aspects regarding the banking
activity in general, of crediting, in particular, because it involves a risk by the very elements of anticipation underlying the decision of the banking specialists. For the bank it is very important to know this risk, to make an evaluation as close as possible to reality, and to reject or accept it in full awareness.
The contribution of the internal rating in terms of efficiency and
stability of a bank is shown via a case study – the Romanian Commercial Bank. The internal rating used by BCR is an active instrument for making
credit decisions it provides valuable indicators to the banking analysts
that can be used to develop de risk management policies and the
prudential measures for the balanced risk dispersion.
Given the fact that the credit rating contributes to the objective,
professional analysis, the system must be continuously improved and
developed by categories of clients and types of risk, so that the included
criteria and the resulting conclusions are relevant. |
| first_indexed | 2024-03-12T10:41:37Z |
| format | Article |
| id | doaj.art-5898e03640d340c4a2dde0862249fa46 |
| institution | Directory Open Access Journal |
| issn | 2066-6071 2066-6071 |
| language | English |
| last_indexed | 2024-03-12T10:41:37Z |
| publishDate | 2013-06-01 |
| publisher | “Victor Slăvescu” Centre for Financial and Monetary Research |
| record_format | Article |
| series | Financial Studies |
| spelling | doaj.art-5898e03640d340c4a2dde0862249fa462023-09-02T08:07:00Zeng“Victor Slăvescu” Centre for Financial and Monetary ResearchFinancial Studies2066-60712066-60712013-06-011722130INTERNAL RATING – AN ACTIVE INSTRUMENT IN THE MANAGEMENT OF BANKING RISKS. CASE STUDY BCRPhD Gabriela Cornelia Piciu0“Victor Slăvescu” Centre for Financial and Monetary ResearchThis paper aims to clarify some aspects regarding the banking activity in general, of crediting, in particular, because it involves a risk by the very elements of anticipation underlying the decision of the banking specialists. For the bank it is very important to know this risk, to make an evaluation as close as possible to reality, and to reject or accept it in full awareness. The contribution of the internal rating in terms of efficiency and stability of a bank is shown via a case study – the Romanian Commercial Bank. The internal rating used by BCR is an active instrument for making credit decisions it provides valuable indicators to the banking analysts that can be used to develop de risk management policies and the prudential measures for the balanced risk dispersion. Given the fact that the credit rating contributes to the objective, professional analysis, the system must be continuously improved and developed by categories of clients and types of risk, so that the included criteria and the resulting conclusions are relevant.http://fs.icfm.ro/vol17i2p21-30.pdfrating systemmanaging riskmonitoring the creditanalisys of the customers |
| spellingShingle | PhD Gabriela Cornelia Piciu INTERNAL RATING – AN ACTIVE INSTRUMENT IN THE MANAGEMENT OF BANKING RISKS. CASE STUDY BCR Financial Studies rating system managing risk monitoring the credit analisys of the customers |
| title | INTERNAL RATING – AN ACTIVE INSTRUMENT IN THE MANAGEMENT OF BANKING RISKS. CASE STUDY BCR |
| title_full | INTERNAL RATING – AN ACTIVE INSTRUMENT IN THE MANAGEMENT OF BANKING RISKS. CASE STUDY BCR |
| title_fullStr | INTERNAL RATING – AN ACTIVE INSTRUMENT IN THE MANAGEMENT OF BANKING RISKS. CASE STUDY BCR |
| title_full_unstemmed | INTERNAL RATING – AN ACTIVE INSTRUMENT IN THE MANAGEMENT OF BANKING RISKS. CASE STUDY BCR |
| title_short | INTERNAL RATING – AN ACTIVE INSTRUMENT IN THE MANAGEMENT OF BANKING RISKS. CASE STUDY BCR |
| title_sort | internal rating an active instrument in the management of banking risks case study bcr |
| topic | rating system managing risk monitoring the credit analisys of the customers |
| url | http://fs.icfm.ro/vol17i2p21-30.pdf |
| work_keys_str_mv | AT phdgabrielacorneliapiciu internalratinganactiveinstrumentinthemanagementofbankingriskscasestudybcr |