Basel III and Bank Credits for SMEs

Bielawska, Aurelia

doi:10.18276/miz.2016.43-21

Marketing I Zarządzanie

2016

DOI: 10.18276/miz.2016.43-21

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Basel III and Bank Credits for SMEs

Aurelia Bielawska

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2017

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Zmiany w procedurze badania wiarygodności kredytobiorców

Bielawska

2017

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The article discusses the new Basel III banking rules, which increase the requirements for banks, by the necessity of holding equities of higher value and quality. Capital requirements, which relate to the bank’s risk exposure depend to the highest degree on the creditworthiness of the debtor (asset quality). So far, the analysis of the creditworthiness of borrowers, focused primarily on the study of financial indicators. After the implementation of Basel III there was a request to make an additional – qualitative – assessment of business, due to the future solvency perspectives. Therefore, these loans, which finance riskier projects, become more expensive. Enterprises, wishing the reduction of the cost of credit, should – together with the loan application – provide an extensive information about their current and future activities to the bank.

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Zmiany w procedurze badania wiarygodności kredytobiorców

Bielawska

2017

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Basel III and Bank Credits for SMEs

Cited by 1 publication

References 1 publication

Zmiany w procedurze badania wiarygodności kredytobiorców

Zmiany w procedurze badania wiarygodności kredytobiorców

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