Abstract [eng] The attribution of credit ratings for clients is a very important issue in the
banking sector. Banks must evaluate credit risk of credit applicants by using standardized …

This study analyzes the credit risk of housing loans with a particular focus on mechanisms
that may help disentangling the financial constraints of low-income borrowers: public …

Rating agencies report ordinal ratings in discrete classes. We question the market's implicit
assumption that agencies define their classe s on identical scales, eg, that AAA by Standard …

Credit risk is one of the most important risk in commercial banking. The commercial bank
uses a range of methods and procedures for credit risk management. To access the credit …

Kansainvälisen järjestelypankin alaisuudessa toimiva Baselin pankkivalvontakomitea on
uudistanut luottolaitoksia koskevia vakavaraisuussäädöksiä, jotta voitaisiin välttää, tai …