Tài chính doanh nghiệp - Chapter twenty: Managing credit risk on the balance sheet

Financial institutions (FIs) are special because of their ability to transform financial claims of household savers efficiently into claims issued to corporations, individuals, and governments FIs’ ability to process and evaluate information and control and monitor borrowers allows them to transform these claims at the lowest possible cost to all parties Credit allocation is an important type of financial claim transformation for commercial banks FIs make loans to corporations, individuals, and governments FIs accept the risks of loans in return for interest that (hopefully) covers the costs of funding—and are thus exposed to credit risk

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