Abstract
The purpose of this study is to: - describe the process and methods used by major banking institution when they face a credit or loan request; - identify and analyse the criterias used by credit analysts in this process; - compare the identified criterias with those evoqued by the analysts during interviews; - check the overall consistency of these processes with the requirements of the Bale Agreement, by especially testing the scoring methods used by these institutions. The study uses thorough description of the scoring methods provided by the institutions, interviews of the analysts, as well as real case studies submitted to them.
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