Nicoletta Principles
The report, "Bank-company" has always been a central issue when it comes to economics, which often "turns on" the minds of those who are called to discuss it. Especially in the last year, crossed by the world crisis, the stakeholders seem to be even more wary: on the one hand, the businesses, particularly medium and small, who accuse the banks have restricted lending just when most needed; across the banks argue, however, that it played properly the role of supporting the economy, by giving those who are worthy in terms of credit. For me, I work in banking and daughter are both a small artisan, the two things are equally true.
In some cases, businesses that need funding to address the decline in revenues and strong liquidity strains, these funds are not granted because they were considered too risky by the bank, which, in turn, denies the grant in accordance with the rules dictated by the Bank of Italy regarding capital adequacy (known as Basel 2), to cover the risks, most notably credit risk.
The management and control of credit risk that banks active in the granting of loans, following a complex procedure, often unknown to businesses. The strategies and credit policies of a banking group are aimed at achieving the objectives of value creation, consistent with risk levels chosen by diversifying the portfolio across sectors, geography and the setting of maximum limits on individual exposure.
In particular, estimates are produced, relevant to assessing the creditworthiness of its customers to obtain more accurate measurements of the risks taken and returns associated with it.
In addition, emphasis is placed on credit and the level of capitalization of the score assigned by carrying out performance monitoring on the activities of credit rating, which allows, through the evaluation of the indicators of degradation exposures, to capture the signals of anticipatory default.Tali elements, perhaps too technical, should be clarified in both the ordinary dialectic between the parties, both in increasing number of specific meetings in order to overcome together, banks and businesses, the crisis by encouraging the resumption of economic development.
In some cases, businesses that need funding to address the decline in revenues and strong liquidity strains, these funds are not granted because they were considered too risky by the bank, which, in turn, denies the grant in accordance with the rules dictated by the Bank of Italy regarding capital adequacy (known as Basel 2), to cover the risks, most notably credit risk.
The management and control of credit risk that banks active in the granting of loans, following a complex procedure, often unknown to businesses. The strategies and credit policies of a banking group are aimed at achieving the objectives of value creation, consistent with risk levels chosen by diversifying the portfolio across sectors, geography and the setting of maximum limits on individual exposure.
In particular, estimates are produced, relevant to assessing the creditworthiness of its customers to obtain more accurate measurements of the risks taken and returns associated with it.
In addition, emphasis is placed on credit and the level of capitalization of the score assigned by carrying out performance monitoring on the activities of credit rating, which allows, through the evaluation of the indicators of degradation exposures, to capture the signals of anticipatory default.Tali elements, perhaps too technical, should be clarified in both the ordinary dialectic between the parties, both in increasing number of specific meetings in order to overcome together, banks and businesses, the crisis by encouraging the resumption of economic development.
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