oletusriski
Oletusriski, often translated as default risk or credit risk, refers to the probability that a borrower will be unable to meet their contractual obligations, such as repaying a loan or making interest payments. This risk is a fundamental concern in finance, particularly for lenders, investors, and the broader financial system.
When a borrower defaults, the lender or creditor may suffer financial losses, which can range from delayed
Credit rating agencies assess and assign ratings to borrowers and debt instruments to provide an indication