The impact of credit risk assessment on credit activity of commercial banks

Abstract

As banks have great social responsibility and are a subject to a specific and extensive regulations, one of the being Basel, the authors of this paper focus on the impact of credit risk assessment on credit activity of commercial banks. The authors of this paper provide a standard for risk management and an insight into directions on how to manage credit risk in the most efficient way and how to assess credit rating of a borrower.

Keywords

• Basel II and III
• credit risk
• credit activity of commercial banks
• risk management