Credit Policies and Credit Assessment

The credit assessment ability is connected to the management of risks for the banks. This course has the goal of introducing students in the core of credit scoring models and the types of scoring models. In addition the course will cover all implication of credit scoring models over the working of banks, as well as the implications over the borrowers. 


Mandatory literature:

  1. Sermersheim, Thomas: Кредитна политика и процедури. Bankademie International, Франкфурт, 2005, с.252.
  2. Дафи, Дарел; Синглтон, Кенет Џ.: Кредитен ризик. Одредување цени, мерење и управување. Скопје, 2011, с. 416.
  3. Gestel, T. Van & Beasens, B.: Credit risk management. 2009, p.552.
  4. Касу, Барбара; Џирардоне, Клаудија; Молину, Филип: Вовед во банкарството. Арс Ламина ДОО, Скопје, 2012, с.469. (превод)

Additional literature: 

  1. Gregoriou, Greg, N. & Hoppe, Christian: The handbook of credit portfolio management. 2009, p.506.
  2. Smitson, Charles, W.: Credit portfolio management. 2003, p.354.
  3. Greuning, Hennie Van & Brajović Bratanović, Sonja: Analiza i upravljanje bankovnim rizicima. Zagreb, 2006, s.135-153.
  4. Кокс, Денис; Кокс, Мајкл: Математика за банкарство и финансии. Скопје, 2011, с. 312.
  5. Хул. Џон К.: Менаџирање на ризиците и финансиските институции. 2011, с.556.
  6. Wells, Ron: Global credit management. 2004, p.179.
  7. Mishkin, Frederic: Economics of money, banking and financial markets. 2010, p.705.
  8. Barjaktarević, Lidija: Upravljanje rizicima. 2009, s.106-167