Évaluation de la gestion du risque de crédit
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Évaluation de la gestion du risque de crédit

Évaluation de la gestion du risque de crédit


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About the Book

Le risque de crédit est la perte potentielle subie par un prêteur en raison du refus ou de l'incapacité de l'emprunteur/contrepartie à payer ce qui est dû en totalité et en temps voulu, par le biais des paiements prévus. Ce défaut de remboursement entraîne pour le prêteur des pertes liées à des créances irrécouvrables, ce qui affecte négativement ses résultats, une situation qui peut conduire à l'effondrement des banques, au retrait de l'agrément par l'autorité de régulation et à la dégradation de la réputation de ces organisations. L'objectif de la gestion du risque de crédit est de maximiser le taux de rendement ajusté au risque d'une banque en maintenant l'exposition au risque de crédit dans des paramètres acceptables. Plus de 70 % du bilan d'une banque est généralement lié au risque de crédit et est donc considéré comme la principale cause de pertes potentielles et de faillites bancaires. À maintes reprises, le manque de diversification du risque de crédit a été le principal responsable des faillites bancaires. Le dilemme est que les banques ont un avantage comparatif à accorder des prêts aux entités avec lesquelles elles ont une relation continue, créant ainsi des concentrations excessives dans les secteurs géographiques et industriels.


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Product Details
  • ISBN-13: 9786207637669
  • Publisher: KS Omniscriptum Publishing
  • Binding: Paperback
  • Language: French
  • Returnable: N
  • Weight: 163 gr
  • ISBN-10: 6207637666
  • Publisher Date: 11 Jun 2024
  • Height: 229 mm
  • No of Pages: 68
  • Spine Width: 4 mm
  • Width: 152 mm


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