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2015, vol. 10, br. 1, str. 15-22
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Kreditni rizik savremene banke
Modern bank's credit risk
Univerzitet u Prištini sa privremenim sedištem u Kosovskoj Mitrovici, Ekonomski fakultet, Srbija
Sažetak
Kreditni rizik je najvažniji rizik sa kojima se banke suočavaju. Kreditni rizik nastaje usled obaveze po osnovu neplaćanja glavnice i kamate od strane dužnika. Neizvršenje obaveza od strane dužnika može da izazove velike gubitke i nesolventnost u poslovanju banke. Kreditni rizik je glavni razlog nesolventnosti banke. Preko 80% bilansa banke izloženo je kreditnom riziku.
Abstract
Credit risk is the most important risk banks have to face with. It occurs due to an obligation created because of debtors' capital and interest rate nonpayment. Debtors obligations non-fulfilment may lead to great losses and insolvency in bank's business. Credit risk is the crucial reason of bank's insolvency. Over 80% of bank's balance sheet is exposed to credit risk.
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