võlgnemisrisk

Võlgnemisrisk, also known as credit risk, refers to the possibility that a borrower will fail to meet their obligations as agreed upon in a loan contract. This risk is a significant concern for lenders, as it can lead to financial losses if the borrower defaults on their payments. Credit risk is influenced by various factors, including the borrower's credit history, income stability, and the terms of the loan. Lenders typically assess credit risk through credit scoring models, which evaluate these factors to determine the likelihood of default. Managing credit risk involves strategies such as setting appropriate interest rates, requiring collateral, and conducting thorough due diligence on potential borrowers. Effective risk management helps lenders minimize losses and ensure the stability of their lending portfolios.