kreditlimiter
Kreditlimiter is a term used in banking and finance to denote the maximum amount of credit a lender is willing to extend to a borrower at a given time. It applies to consumer credit, corporate lending, and various lines of credit, including credit cards, overdraft facilities, and revolving lines of credit. The limit is a key component of a lender’s credit policy and risk management framework.
The purpose of a credit limit is to control credit risk, ensure liquidity, and align exposure with
Determination of a credit limit typically involves credit scoring, financial analysis, collateral value, repayment capacity, existing
Components and monitoring of a kreditlimiter include the total credit limit, the available credit, and the
Types of limits include fixed limits, revolving limits that are drawn and repaid over time, and seasonal
Management of kreditlimiter relies on credit policies, approval workflows, and risk analytics. Automation and integration with
In regulatory terms, credit limits relate to capital requirements under Basel II/III and to responsible lending