The concept of credit risk. A risk due to a customer or group of customers unable to repay loans to the banks. In Business Banking credit risk is the biggest risk categories, frequently occur and cause severe consequences sometimes lead to bankruptcy of the bank. Today, the demand for capital to expand production and business, improved technical equipment, advanced technology and the need for production business is always growing. To meet this demand, commercial banks must always expand the scale of credit activity, which means that the credit risk also arises more. Credit risk is the most complex types of risks, the management management and prevention is very difficult, it can happen anywhere, anytime ... credit risk if not detected and treated in time will arise other risks.
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