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Credit Rating and Bank-Firm Relationships

Part of the Palgrave Macmillan Studies in Banking and Financial Institutions Book Series

DOI: 10.1057/9781137496225

ISBN: 978-1-349-55754-7

Publisher: Palgrave Macmillan UK - Springer Journals

Dec 1, 2015

1 - 10 of 10 Chapters

LitStream

Introduction

Modina, Michele

Pages: 1 –6

[The entry into force of the capital adequacy rules (Basel II) has required banks to allocate significant investments in the development and in the implementation of tools to support the entire credit process. These actions range from the assessment of the creditworthiness of the counterparties...
LitStream

Credit Rating

Modina, Michele

Pages: 9 –19

[Rating systems are among the main innovations of the modern banking industry. Developed since the mid-1990s on the basis of a scheme that finds its definition in the working paper of the Basel Committee (BCBS, 1999), it is now possible to define more precisely the hallmarks of credit rating.]
LitStream

Credit Risk Management

Modina, Michele

Pages: 20 –47

[In recent years the banking industry has been affected by a profound transformation that has heightened the need to identify more sophisticated methods in Credit Risk Management and monitoring. For banks the process of risk management has assumed increasing importance in particular with regard...
LitStream

Internal Rating Systems: A Critical Vision

Modina, Michele

Pages: 48 –70

[The evaluation of a company’s creditworthiness has become more sophisticated following the application of the Basel II set of banking regulations. The Basel II Accord has brought about important modifications to the risk management system and, in particular, introduced an opportunity for the...
LitStream

The Generation of New Models

Modina, Michele

Pages: 73 –83

[Early versions of the rating models were designed to introduce in the credit process the calculation of the probability of default (PD), in other words to group customers into classes based on their creditworthiness. The aim was to equip banks with a model to be used both in the...
LitStream

Rating Systems: A Dual Track for Screening and Monitoring

Modina, Michele

Pages: 84 –94

[The information needed in order to estimate the value of default probability is elaborated in a different manner (statistical-quantitative approach vs. judgmental approach), noting, in this manner, the segment of clientele considered each time. For the evaluation of retail clientele, the use of...
LitStream

The New Architecture of Rating Model

Modina, Michele

Pages: 95 –123

[In the previous chapters strong and weak points regarding current rating models have been examined. The analysis has underlined the need to rethink the architecture of internal rating systems (IRSs), pinpointing some possible manners, such as the identification of a dual track which...
LitStream

Rating and Bank-Firm Relationship

Modina, Michele

Pages: 127 –140

[An internal rating system is made of “the articulated whole of organizational methods and processes which allow to reach the classification on an ordinal scale as to the creditworthiness of a subject and which, therefore make the distribution of all credit borrowers in different risk classes, to...
LitStream

Rating and Corporate Finance: Implications and Opportunities

Modina, Michele

Pages: 141 –157

[Corporate finance is the entirety of activities, processes and models which sets out to identify the economic and financial sustainability of corporate management, to find the correct forms of coverage and to carefully manage cash flow and risks of a financial nature.]
LitStream

Rating and Bankruptcy Prediction

Modina, Michele

Pages: 158 –171

[The European industrial framework is characterized by the prevalence of small- and medium-sized enterprises (SMEs). As described by Modina and Pietrovito (2014), SMEs account for over 95 percent and up to 99 percent of the business populations whose contribution changes depending on the nation...

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