kreditrisikoreduktion
Kreditrisikoreduktion refers to the strategies and techniques employed by financial institutions and individuals to mitigate the potential losses arising from a borrower's failure to repay a loan or fulfill other contractual obligations. This encompasses a wide range of measures aimed at minimizing the probability of default and its impact if it occurs.
One primary method is through collateralization, where an asset is pledged by the borrower to secure the
Diversification of a loan portfolio is also a key strategy. By spreading lending across various borrowers,
The use of derivatives, like credit default swaps, can also be employed to transfer credit risk to