Risk Assessment and Credit Management

Lewis, Mervyn K.; Lundberg, Per; Silver, Mick; Kling, Katarina Svensson; Kresge, David T.; Summers, Barbara; Wilson, Nicholas; Ekelid, Mats; Lind, Hans; Lundström, Stellan; Persson, Erik; Marano, Wayne

doi:10.1007/978-94-017-2909-3_2

Cited by 3 publications

(2 citation statements)

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“…Counterparty risks are usually credit risks (Schierenbeck et al 2008). The credit risk expresses "…the volatility of the average expected credit loss and (…) the need for risk capital to be held…" (Lewis et al 2000). The credit risk consists of the creditworthiness risk and the default risk.…”

Section: Risk Assessment Of Unsecured Loansmentioning

confidence: 99%

Risk Assessment of unsecured loans – example of entering a new market

Pickert

2017

CEREM

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Objective: The objective of the paper is to show the risk assessment of unsecured loans in theory and practise.Research Design & Methods: In the first part, the paper makes a literature review with regard to the theory unsecured loans and their risk assessment. In the second part, a case study discusses the risk assessment process as a practical application in the hypothetical case if a Swedish bank enters the German market.Findings: The risk assessment of unsecured loans is a standardized process there scoring models make a crucial contribution. This case study shows how difficult that process is in the event of cross-border activities, for example, a bank enters a new market in a new country.Implications & Recommendations: Assessing applicants on a new market is challenging due to the effect of asymmetric information. The problem can be solved by information sharing and by using the experiences from the existing portfolio. Based on that the bank can create an appropriate scorecard.Contribution & Value Added: The paper contributes to existing literature on risk assessment by applying scoring models to the case of cross-border activities.Article type: base on in-depth analysis of literature review

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Section: Risk Assessment Of Unsecured Loansmentioning

confidence: 99%

Risk Assessment of unsecured loans – example of entering a new market

Pickert

2017

CEREM

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“…Existem duas estratégicas básicas para gerenciar risco: prevenir e mitigar. A primeira diz respeito à capacidade de minimizar a ocorrência do risco, enquanto a segunda se refere a diminuir as consequências do risco quando ele ocorre (LEWIS, 1990).…”

Section: A Abordagem Do Gerenciamento De Riscounclassified

Gerenciamento de risco de equipamentos eletromédicos para segurança eletromagnética em estabelecimentos assistencias de saúde

Ramos Evangelista

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Framework for Operational Resilience Management of Critical Infrastructures and Organizations

2022

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Progressing digitalization and networking of systems and organizations representing Critical Infrastructures opens promising new potentials and opportunities, which on the downside, are accompanied by rising complexity and increasingly opaque interdependencies. The consequently increasing lack of knowledge leads to uncertainties affecting risk assessment and decision-making in case of adverse events. This trend motivated recent discussions and developments in risk science, emphasizing the need to handle such uncertainties. Complementarily, research in the resilience domain focuses on system capabilities to handle surprising hazardous situations. Several frameworks presented in the literature aim at combining both perspectives but either lack the focus on operational management, have a rather theoretical approach, or are designed for specific applications. Based on this observation, we propose an approach that integrates resilience management into the actual operation of Critical Infrastructure Systems and Organizations by providing an operational process that coordinates the fundamental resilience capabilities of responding, monitoring, anticipation, and learning. Furthermore, we tackle the challenge of uncertainties resulting from a lack of knowledge by aligning the concepts of digital twin and resilience management. The proposed framework is extensively discussed, and required processes are presented in detail. Eventually, its applicability and potential are reviewed by means of a complex hazardous situation at a Bavarian district heating power plant.

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Risk Assessment and Credit Management

Cited by 3 publications

References 0 publications

Risk Assessment of unsecured loans – example of entering a new market

Risk Assessment of unsecured loans – example of entering a new market

Gerenciamento de risco de equipamentos eletromédicos para segurança eletromagnética em estabelecimentos assistencias de saúde

Framework for Operational Resilience Management of Critical Infrastructures and Organizations

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