Dimensions of the credit risk analysis process and credit risk

     Conf. Univ. dr. IULIA IUGA - – Universitatea „1 Decembrie 1918” Alba Iulia
                            e-mail: iuga_iulia@yahoo.com


Abstract:
The credit analysis represents the crediting risk evaluation process. The crediting risk
must be considered based on what the bank expects achieve as a result of the crediting
activities. The credit analyze process has two sides, a quantitative one and a qualitative
one. The risk existence produces a risk exposure. This exposure is given by the actual
value of all the losses or supplementary expenses that a subject- especially the bank-
might have to take on in the future. The banking risk is the element of uncertainty that
might interfere with bank activity or with the unfurling of one of its economic and
financial operation.

Key words: credit risk, credit analyze

JEL Code: G21