COMPARATIVE STUDY ASSESSING THE CREDITWORTHINESS OF CUSTOMERS AT BCR ERSTE BANK, BRD-GSG AND THE PROPOSED MODEL OF CALCULATION

Abstract

The paper seeks to make an accurate comparison between the different ways of calculating the indicators that express the banking performance, needed to fit the credit applicant with an agricultural activity in the correct creditworthiness group. In this paper we have selected from the banks in the banking system in Romania two banks considered to be the most representative, but also presented our own model for fitting the customers into a creditworthiness group, considering the agricultural specificity of activity.

Keywords

• redit policies
• system of indicators
• financial capacity
• customer creditworthiness
• solvency
• quantitative indicators
• qualitative indicators