Riesgo Crediticio

Definición

También denominado riesgo de incumplimiento de pago, es la posibilidad de que un emisor de bonos no pague intereses de la manera establecida o que no reintegre el capital al vencimiento.  El riesgo crediticio también puede constituir un problema con compañías de seguros que venden contratos de anualidades, en el caso de los cuales la habilidad de usted para cobrar los intereses y los ingresos previstos dependen de la capacidad del emisor para pagar reclamaciones.

Formas de control

Conocer los aspectos relevantes de la gestión especializada del riesgo crediticio en Instituciones de Microfinanzas. Conocer los factores relevantes que deber ser considerados en el flujo de negocio (proceso y metodología) Profundizar en la evaluación y obtención de información para la construcción de nivel de ingresos y egresos de la unidad económica. Identificar y aprender a evaluar los factores de riesgo tanto internos como externos.

Algo para recordar: El riesgo de crédito es la posible pérdida que asume un agente económico como consecuencia del incumplimiento de las obligaciones contractuales que incumben a las contrapartes con las que se relaciona. El concepto se relaciona habitualmente con las instituciones financieras y los bancos, pero afecta también a empresas y organismos de otros sectores.

En Perdidas esperadas e Inesperadas Para la gestión del riesgo de crédito suelen utilizarse los conceptos de pérdidas esperadas e inesperadas. La pérdida esperada en una transacción es la esperanza matemática del posible quebranto. Generalmente, suele calcularse como el producto de:

  • La probabilidad de incumplimiento, es decir, la probabilidad de que el deudor no cumpla con sus obligaciones:
  • Exposición en riesgo, o tamaño de la deuda.
  • Pérdida en caso de incumplimiento, que es una estimación de la parte que realmente se pierde en caso de incumplimiento tras ejecutarse las garantías, etc.

Riesgos en la actividad Financiera. El riesgo y la administración de los mismos es relevante en la intermediación financiera Esto lleva a que la regulación sobre esta actividad sea más sofisticada y especializada. La quiebra de un intermediario financiero no solo afecta a sus clientes

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Módulo Riesgo Crediticio

Carácterísticas:

  • Análisis de scoring
    • De vinculación
    • De control
    • De mercado potencial
  • Estimación de factores de riesgos por perfiles
      • Económico
      • Personal
      • De comportamiento
  • Análisis histórico de cartera
  • Determinación del VaR credito
  • Cálculo de indicadores
  • Gestión del riesgo
    • Seguimiento del RAROC de la empresa

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