hitelkockázatértékelés
Hitelkockázatértékelés, often translated as credit risk assessment, is a crucial process in the financial industry. It involves evaluating the likelihood that a borrower will default on their debt obligations. This assessment is fundamental for lenders, such as banks and other financial institutions, to make informed decisions about extending credit. The process typically involves analyzing various factors related to the borrower, including their financial history, income stability, existing debts, and collateral.
Credit risk assessment aims to quantify the probability of loss due to a borrower's failure to repay.
The methodologies for credit risk assessment can vary. They often employ statistical models, credit scoring systems,