Apa Aja Boleh

In: Business and Management

Submitted By greyzant
Words 8082
Pages 33
Risiko Kredit

Nilai-berisiko ukuran kita bahas dalam Bab 21 dan huruf Yunani kita pelajari dalam Bab 18 ditujukan untuk mengukur risiko pasar. Dalam bab ini kita mempertimbangkan lain risiko penting untuk lembaga keuangan: risiko kredit. Kebanyakan lembaga keuangan mengabdikan sumber daya yang cukup untuk pengukuran dan pengelolaan risiko kredit. Regulator telah selama bertahun-tahun bank diperlukan untuk menjaga modal untuk mencerminkan risiko kredit mereka bantalan. Modal ini merupakan tambahan modal, dijelaskan dalam Bisnis Snapshot 21.1, yang diperlukan untuk risiko pasar.
Risiko kredit timbul dari kemungkinan bahwa debitur serta dalam derivatif transaksi mungkin default. Bab ini membahas sejumlah pendekatan yang berbeda untuk memperkirakan probabilitas bahwa sebuah perusahaan akan default dan menjelaskan perbedaan utama antara probabilitas risiko netral dan dunia nyata dari default. Itu menguji sifat risiko kredit over-the-counter transaksi derivatif dan membahas klausa dealer derivatif menulis ke dalam kontrak mereka untuk mengurangi risiko kredit. Hal ini juga mencakup standar korelasi, Gaussian kerja penghubung model, dan estimasi nilai kredit beresiko. Bab 24 akan membahas derivatif kredit dan menunjukkan bagaimana ide-ide yang diperkenalkan dalam bab dapat digunakan untuk menghargai instrumen ini.

23.1 PERINGKAT KREDIT
Penilaian instansi, seperti Moody, S & P, dan Fitch, berada dalam bisnis penyediaan peringkat menggambarkan kelayakan obligasi korporasi. Rating terbaik yang diberikan oleh Moody adalah Aaa. Obligasi dengan rating ini dianggap hampir tidak memiliki kesempatan default. Peringkat terbaik berikutnya adalah Aa. Setelah itu datang A, Baa, Ba, B, Caa, Ca, dan C. Hanya obligasi dengan peringkat Baa atau di atas dianggap investment grade. The S & P dan Fitch peringkat sesuai dengan Moody Aaa, Aa, A, Baa, Ba, B, Caa, Ca, dan C…...

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