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Revista de Administração Contemporânea

Print version ISSN 1415-6555On-line version ISSN 1982-7849


SECURATO, José Roberto  and  FAMA, Rubens. Um procedimento para a decisão de crédito pelos bancos. Rev. adm. contemp. [online]. 1997, vol.1, n.1, pp.101-119. ISSN 1982-7849.

Analyzing banks credit allowance procedures, we try to establish formally the evaluation of the credit risk taking into consideration existing subjective aspects. In order to establish a distribution of probabilities where the considered events are the possible results from the analysed credit operations at its maturity. The operational risk factors are obtained from this distribution of probability. Further we present a credit concession criteria and the creation of a banking spread, considering the risk incidence.

Keywords : banks credit allowance; risk; credit risk; banking spread.

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