haku: @indexterm Credit control / yhteensä: 62
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| Tekijä: | Koellhofer, D. |
| Otsikko: | Moderne Verfahren der Bilanz- und Bonitaetsanalyse im Firmenkundegeschaeft der Bayerischen Vereinsbank AG = Modern balance and bonity analysis methods at the Bayerische Vereinsbank |
| Lehti: | Schmalenbachs Zeitschrift für Betriebswirtschaftliche Forschung
1989 : NOV, VOL. 41:11, p.974-981 |
| Asiasana: | CREDIT CREDIT CONTROL FINANCIAL ANALYSIS BANKS FEDERAL REPUBLIC OF GERMANY FINANCIAL RISK |
| Kieli: | ger |
| Tiivistelmä: | A complete but also an efficient credit analysis is a key success factor in the lending business. The credit analysis used by the Bayerische Vereinsbank AG contains a quantitative analysis of the annual financial statements as well as a detailed look at nonfinancial information. The quantitative analysis is based on the results of a multivariate linear discriminant analysis, which separates possible "bad" from "good" loans by calculating financial ratios. Depending on the financial and qualitative analysis a company is classified according to its credit risk. This internal rating allows to focus on the problem areas of a loan portfolio and is an effective tool to prevent loan losses. |
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