Credit risk analysis can be thought of as an extension of the credit allocation process. After an individual or business applies to a bank or financial institution for a loan, the lending institution analyzes the potential benefits and costs associated with the loan. Credit risk analysis is used to estimate the costs associated with the loan. Credit risk or credit default risk associated with a financial transaction is simply the expected loss of that transaction. In commercial banks, risk has always been one of the most basic concepts. This article examines the measurement and monitoring of the credit risk in commercial banks.
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