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Factors Affecting Bank Credit Quality

+ Doubtful debt: is debt overdue from 181 days to 360 days, debt with restructured repayment period from 90 to 180 days according to the restructured period, other debts according to regulations. + Debts with potential loss of capital: are debts overdue for more than 360 days, debts frozen and ...

Complete Solution for Credit Risk Measurement

However, due to the lack of uniformity and low effectiveness of legal documents, the information provided by businesses and authorities is mostly inaccurate or even fake. Therefore, to ensure the honesty of information, it is necessary to: - Exploiting information from many different channels. ...

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