Determinants of credit risk in the Banco Popular de Ahorro
Keywords:
credit risk, risk factors, logistic regression.Abstract
Decisions to grant loans are crucial in banking activity. How successful these are will depend on the degree of exposure of the funding institution. Here the performance of the risks to which the issuer of the funds is exposed plays an important role. In that order it becomes necessary to identify and analize the determinant factors that affect the loan management. This paper exposes the main elements in risk credit management and the diferent methodologies for its study. The main factors, cualitatives and cuantitatives, included in the loans management are analize, and a logit technique is used in order to identify the main risk factors taking as object of study two municipal banking branch´s porfolio of Santiago de Cuba.References
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