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本帖最后由 rupontydas2 于 2023-8-30 17:49 编辑
The credit risk analysis is the verification of a series of questions that show the chances that the company requesting a loan has to repay the debt in the future.
It is a verification process that takes place in every loan negotiation. You need to prove a good payment history, provide guarantees and meet some specific criteria to get credit.
So that you, the entrepreneur, can prepare to obtain the loan you want, in this article we will give you some tips on how business credit risk analysis works and how to go through it successfully. What is credit risk?
Credit risk analysis is the verification Belgium Phone Number List of the probability that the natural or legal person has to repay the loan he is requesting. This analysis is carried out by financial institutions to approve or not a credit. Generally, this procedure evaluates the history of previous payments, score, possibility of profit from the business, cash flow, as sets , crisis in the market or in the company's segment, among many other issues.
 How does business credit risk analysis work? Credit Risk Analysis for CNPJ VARIES According to Each Financial Instification, AS EACH One HAS Specific Processes. However, in general, The Financial Market utes the "5 CS of Credit" theory.1. Character Character is the borrower's intention to honor commitments to creditors. It is evaluated by the applicant's history and the reliability of the. To have a positive "character" in a loan negotiation , the main requirements are: Period of existence of the CNPJ : in most cases, the minimum is 24 months.
History of default or late payments : creditors prefer companies that have a consistent history of meeting their financial obligations, that is, that pay their debts and bills within the agreed deadline.
Positive score : metric used by financial institutions and credit agencies to measure the financial risk associated with a company. It is generally measured according to previous debts and payment history. The best-known company that provides scores for individuals and companies is Serasa.
2. Capital
Capital is the equity situation of the credit applicant. At this stage, the financial institution surveys assets, rights and obligations to understand the borrower's financial health.
In the capital stage, unbalanced accounts and negative finances are the most harmful factors to get CNPJ credit.
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发表于 2023-8-30 17:47:30