Theoretical perspective of dynamic credit risk analysis and lending model; effective to enterprises of fragile economy

Tweneboah Senzu, Emmanuel (2020): Theoretical perspective of dynamic credit risk analysis and lending model; effective to enterprises of fragile economy.

Abstract

There is empirical evidence, which justifies the core functioning of money in economic growth and its correlation to the development of a Nation, which equally establishes the reason for the relevant role of Banks in every economy. The underpinning of this research is to present the necessity for the financial industry of undeveloped and developing economies very fragile in their functioning, to adopt the proposed theoretical perspective of dynamic credit-lending-risk analysis as an upgrade model over the existing static credit-lending-risk analytical approach, found to be ineffective to the productiveness of enterprises, emerging from such economies, hence creating frustration to the welfare practices of the State and heightening it unemployment tension.

• Item Type: MPRA Paper
• Language: English
• Keywords: Economics, Banking, Enterprises, Credit Lending, Credit Risk Analysis, Employment
• Subjects: E - Macroeconomics and Monetary Economics > E2 - Consumption, Saving, Production, Investment, Labor Markets, and Informal Economy; E - Macroeconomics and Monetary Economics > E2 - Consumption, Saving, Production, Investment, Labor Markets, and Informal Economy > E21 - Consumption ; Saving ; Wealth; E - Macroeconomics and Monetary Economics > E5 - Monetary Policy, Central Banking, and the Supply of Money and Credit; E - Macroeconomics and Monetary Economics > E5 - Monetary Policy, Central Banking, and the Supply of Money and Credit > E52 - Monetary Policy; G - Financial Economics > G2 - Financial Institutions and Services > G21 - Banks ; Depository Institutions ; Micro Finance Institutions ; Mortgages; G - Financial Economics > G2 - Financial Institutions and Services > G23 - Non-bank Financial Institutions ; Financial Instruments ; Institutional Investors; G - Financial Economics > G2 - Financial Institutions and Services > G24 - Investment Banking ; Venture Capital ; Brokerage ; Ratings and Ratings Agencies

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