From all the risks which can affect a bank, many authors consider that one of the most important is the credit risk. This risk of default of loans granted, when not properly managed, can affect the activity of commercial banks. Credit risk presents related features to the customer activity and it is for sure that the credit risk related to the agriculture it’s much higher than in other sectors. Given the events generating risk exposures to clients working in agriculture, there are some tools available to a bank to decrease this risks which we propose by this paper.
credit risk, policies on credit risk management, risk exposures in agriculture
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