publication . Article . 2012

CREDIT SYSTEM AND CREDIT GUARANTEE PROGRAMS

Turgay GECER;
Open Access
  • Published: 01 Jan 2012 Journal: Istanbul Commerce University Journal of Social Sciences, volume 21, issue 1, pages 215-228
Abstract
Credit system is an integrated architecture consisted of financial information, credit rating, credit risk management, receivables and credit insurance systems, credit derivative markets and credit guarantee programs. The main purpose of the credit system is to provide the functioning of all credit channels and to make it easy to access of credit sources demanded by all of real and legal persons in any economic system. Credit guarantee program, the one of prominent elements of the credit system, traditionally, covers a fixed percentage of credit risk exposure. In this study, it is proposed that the expected losses should be added up to credit price, instead of t...
Subjects
ACM Computing Classification System: ComputingMilieux_MISCELLANEOUSHardware_GENERAL
free text keywords: Credit System; Credit Guarantee Programs, SME’s
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