THE TIPOLOGY OF INFORMATION NECESSARY FOR THE
  BANKS AND THE FACTORS THAT INFLUENCE CREDIT RISK

                     Associate Professor PhD Iulia Cristina Iuga
                “1 Decembrie 1918” University of Alba Iulia, Romania


        Abstract: We shall present: Credit risk disclosure for all banks: 1. Qualitative
Disclosures and 2.Quantitative Disclosures. In parallel with these factors, we shall
present the main factors that influence a company: internal factors (management,
strategy, accountancy and financial situation) and external factors (macroeconomics,
laws, politics and political tendencies, culture and socio-culture tendencies,
technological development, industry and industrial tendencies, the evolutions on the
labor-market, the evolutions on the real market, the dependency and geographical
position towards the supply sources and retail-market and towards the means of
transport). Because The Basel Agreement II permits the banks to decide the minimum
capital requirements for credit risk, by using one of the standard approaches or an IRB
approach, we are interested to study what one of these methods means for a banking
society and how much the interdependence is, by using a minimum capital required.

       Keywords: credit risk; crediting risk management; Basel II Agreement

       JEL codes: G21, G29