Riesgo de Crédito

 

ZGMPBN LM @ZÇLG\N

 

Me rgmsbn lm `rçlgtn, sm lmogdm `nhn ek prnjkjgeglkl lm qum ud `egmdtm gd`uhpek su s njegbk`gndms lm pkbn `nd udk mdtglkl ogdkd`gmrk md ud lmtmrhgdkln fnrgzndtm lm tg tgmh mhpn pn (t (tèp èpg` g`kh khmd mdttm ;: hm hmsm sms) s)..

LMOGDG@GÐD ZGMPBN @ZÇLG\N

 

@nhpnsg` @nhpnsg`gðd gðd lme pnrtko pnr tkonegn negn ▩

Ens lgomrmdtms tgpns lm `rçlgtn tgmdmd lgomrmdtms dgvmems lm rgmsbn - Gdhu Gdhumje mjems ms `nhmr`gke `nhmr`gkems ms - @nh @nhmr` mr`gke gke m gdlustr gdlustrgke gke - Fgpnt Fgpntm`ks m`ks vgvgmdlk vgvgmdlk udgo udgokhgegkr khgegkr - Kut Kutnhðvgems nhðvgems (prmdlk (prmdlkrgns) rgns)

- Lmulk snjmrkdk snjmrkdk n bkrkdtgzklk pnr me bnjgmrdn ▩ Ek `nhpnsg`gðd lm ek `krtmrk lm ud jkd`n lmogdm ek `kdtglkl lm rgmsbn lm ek `krtmrk ▩

\khjgçd ms ghpnrtkdtm `ndsglmrkr me ghpk`tn lme `rm`ghgmdtn

 

Yrn`msn lm `rçlgtn Nrgbgdk`gðd •

K qugçd prmstkr • @uëdtn prmstkr • @ðhn prmstkr

@njrkdzk

Pmbughgmdtn •

[ugçd pkbk y qugçd dn • @ðhn bmstgndkr ek `krtmrk • K qugçd mxpkdlgr n rmlu`gr me `rçlgtn • Lm`gsgndms lm rmsmrvks n prnvgsgndms prnvgsgndms • Kdëegsgs y mdtmdlghgmdtn lme rgmsbn

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\rgkbm (Yrgnrgzk (Yrgnrgzk`gðd) `gðd) @kee `m @kee `mdtm dtmrr • Zm`upmrk`gðd, dnrhkegzk`gðd • @njrkdzk culg`gke • Klhgdgstrk`gðd lm bkrkdtèks

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¾[uç ms lmokuet> Gd`uhpeghgmdtn3 Gd`uhpeghg mdtn3 hës lm V lèks lm hnrk Kebudns `ksns3

@kstgbn k ens ;69 lèks md `ndsuhn, pmrn k ens 0? hmsms md fgpntm`krgn Zmdmbn`gk`gndms, Mxtrk-ogdkd`gkhgmdtns, Hnlgog`k`gðd lm ud `rçlgtn hnrnsn md tkrcmtk tkrc mtk k ud `rçlgtn skdn md

`ndsuhn Pg pkbk k ens ;99 lèks>

Lns vm`ms hës lm ?9 lèks lm hnrk md me óetghn kûn Gd`uhpeghgmdtn3 ktrgjutn lm ek npmrk`gðd, n lme gdlgvglun>

 

¾@ðhn hmlgr Yçrlglks @rmlgtg`gks> Ms mstghkr ek pçrlglk mspmrklk YM 8 YL * EBL * MKL

Yrnjkjgeglkl lm Gd`uhpeghgmdtn snek ms gdsuog`gmdtm

YL 8 Yrnjkjgeglkl lm Gd`uhpeghgmdtn (Yrnj Lmokuet) EBL 8 Pmvmrglkl lm ek Yçrlglk (Enss Bgvmd Lmokuet) MKL 8 Mxpnsg`gðd ke Gd`uhpeghgmdtn (Mxp kt Lmokuet)

 

YÇZLGLKP MPYMZKLKP  W DN MPYMZKLKP

 

@nhn mstghkr ek YL @ksn lm @krtmrks hksgvks, mdonqum mstklèstg`n, `ekvm smbhmdtkr3 Mdonqum lm P`nrgdb y eumbn `kegjrkren k eks lmogdg`gndms lm fnrgz Mdonqum fnrgzndtm ndtm y pekzn lmsmkln. • Hmlgr lgrm`tkhmdtm trkdsg`gndms k lmtmrgnrn, md dóhmrn (y/n) md

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hndtn. (\rkdsg`gndms (\rkdsg`gndms n dmt oenws n rnee rktm rktm)) Lmtkeems3 ¾[uç ms `mrn lmulk> • ¾@uëdtn ms `kstgbn> • ¾Ynr npmrk`gðd n pnr gdlgvglun>

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Hktrg`ms lm \rkdsg`gðd • Hnlmens lm @nsm`fks (_gdtkbm (_gdtkbms) s) • Hnlmens Mxpmrtns •

 

P`nrgdb  Fmrrkhgmdtk lm prmlg``gðd qum pmrhgtm glmdtgog`kr k `egmdtms k ens `ukems sm rmqugmrm Fmrrkhgmdtk gd`rmhmdtkr me `upn, n glmdtgog`kr `umdtks md `njrkdzk pkrk lmtmrhgdklks k``gndms, n pkrk glmdtgog`kr `egmdtms qum sm rmqugmrm meghgdkr `nhn tkems Yudtkcm ksn`gkln k lmulnrms qum gdtmdtk rmsuhgr md ud dóhmrn, kebód rkdagdb u nrlmdkhgmdtn pnr mcmhpen ksn`gkln ke `nhpnrtkhgmdtn lm jumd n hke pkbklnr. ]skdln tç`dg`ks mstklèstg`ks gdtmdtk glmdtgog`kr `uëd m`ndðhg`khmdtm ktrk`tgvns snd `egmdtms pntmd`gkems n mxgstmdtms. En ktrk`tgvn lme `egmdtm sm lmogdm lm kdtmhkdn pnr me usukrgn y pumlm smr3 Zmdtkjgeglkl •

Zgmsbn Yrnjkjgeglkl lm rmspumstk rmspumstk • Gdtmrçs pnr rmdnvkr eèdmk lm dmbn`gn • Gdtmrçs pnr pkbkr (md `ksn lm hnrk) `eg mdtm ms @rm`ghgmdtn m`ndðhg`n3 m`ndnhèk hudlgke, hgx lm pneètg`k hndmtkrgk.(GYNH) • Lmsmkjem lm ud `egmdtm • •

 

_mdtkcks y Lmsvmdtkcks P`nrgdb  Mvkeuk`gðd njcmtgvk Jkcn `nstns @ndtrne mstklèstg`n lm ek `krtmrk

Mxpmrghmdtk`gðd `ndtrneklk Pmbughgmdtnn rmdtkjgeglkl lm `klk `umdtk y su rgmsbn Pmbughgmdt Ok`gegtk prn`msn lm kutnrgzk`gndms Mstrktmbgks lmskogkdtms pumlmd mvkeukrsm Ghpk`tn md ek `njrkdzk Glmdtgog`k`gðd tmhprkdk lm `umdtks prnjemhëtg`ks Yrn`msn lm lmskrrneen gdtmdsgvn md tgmhpn y rm`ursns Ms prnjkjgeèstg`n

Pm lmtmrgnrk `nd me tgmhpn, yk qum sm jksk md ek fgstnrgk

Ms ud rmoemcn lm ek `keglkl lm dumstrk lktk  

@keglkl lm ek bmstgðd Pupmrvgsgðd lme bnjgmrdn `nrpnrktgvn ▩ Ek pneètg`k lm `rçlgtns ▩

Ek mstru`turk lm eèhgtms ▩ Yrn`msn lm `rçlgtn ▩ Hçtnlns pkrk glmdtgog`kr y hmlgr ens rgmsbns ▩

\rktkhgmdtn lm npmrk`gndms `nd pkrtms rmek`gndklks klhgdgstrk`gðd gðd lme rgmsbnl rgmsbnl m `rçlgtn ▩ Oud`gðd lm klhgdgstrk` ▩ Pgstmhks lm gdonrhk`gðd ▩

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Kulgtnrèk gdtmrdk