Determinarea bonităţii (credibilităţii) agenţilor economici de către instituţiile financiare [Articol]

Abstract

The main activity of commercial banks at present is lending. The decision to credit a customer is not spontaneous, but arises as a result of economic and financial situation analysis of the loan applicant, his performance evaluation, capacity means the borrower to repay the money involved. Debtor’s ability to repay credit depends on a number of external and internal factors, financial and non-financial, the bank should be able to identify and to evaluate properly, to be able to increase profits and reduce risks. This article addresses how to determine the credibility of economic agents by financial institutions in Moldova in the lending decision. Financial performance measurement methods and non-financial aspects of business operators seeking a loan are examined