It remains, however, less contoured, under conceptual aspect, although there may
be invoked, in this respect, also some connotations implied by the classification of the loans granted by credit
institutions, in which their quality is differentiated on categories, in terms of the level of the exposure of the banks to
credit risk, in accordance with the scheme developed by the Institute of International Finance (IIF), quoted also in
the scientific literature in the field, this one being accepted and used in banking practice all over the world. Through
its content, such bank loan classification suggests their delimitation, in a descending order of their quality level into
the following five categories of loans: standard, watch, substandard, doubtful, loss (Krueger, 2002).
It remains, however, less contoured, under conceptual aspect, although there maybe invoked, in this respect, also some connotations implied by the classification of the loans granted by creditinstitutions, in which their quality is differentiated on categories, in terms of the level of the exposure of the banks tocredit risk, in accordance with the scheme developed by the Institute of International Finance (IIF), quoted also inthe scientific literature in the field, this one being accepted and used in banking practice all over the world. Throughits content, such bank loan classification suggests their delimitation, in a descending order of their quality level intothe following five categories of loans: standard, watch, substandard, doubtful, loss (Krueger, 2002).
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