CREDIT RISK

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Credit  risk  ; ka arth hai ki kisi bhi utpaadak ya vyavsaayik sanstha ki or se diya gaya karja ya credit ki vaapsi nahin hone ka khatra. Yah khatra tab utpann hota hai jab kisi bhi utpaadak ya vyavsaayik sanstha ki aarthik sthiti kharaab ho jati hai aur vah apne karja ya credit ki vaapsi nahin kar paati.


Credit risk ke prakaar ;


1. Default risk ; Default risk ka arth hai ki kisi bhi utpaadak ya vyavsaayik sanstha ki or se diya gaya karja ya credit ki vaapsi nahin hone ka khatra.

2. Credit migration risk ; Credit migration risk ka arth hai ki kisi bhi utpaadak ya vyavsaayik sanstha ki credit rating mein badlaav hone ka khatra.

3. Credit spread risk ; Credit spread risk ka arth hai ki kisi bhi utpaadak ya vyavsaayik sanstha ki credit spread mein badlaav hone ka khatra.

Credit risk ke karan ; 


1. Aarthik mandi ; Aarthik mandi ki sthiti mein utpaadak ya vyavsaayik sanstha ki aarthik sthiti kharaab ho sakti hai.

2. Vyavsaayik risk ;  Vyavsaayik risk ki sthiti mein utpaadak ya vyavsaayik sanstha ki vyavsaayik sthiti kharaab ho sakti hai.

3. Rajneetik risk ;  Rajneetik risk ki sthiti mein utpaadak ya vyavsaayik sanstha ki rajneetik sthiti kharaab ho sakti hai.

Credit risk ke prabandhan ke tareeke ; 


1. Credit rating ; Credit rating ki jaanch karke utpaadak ya vyavsaayik sanstha ki creditworthiness ki jaanch ki ja sakti hai.

2. Credit insurance ;  Credit insurance ki madad se utpaadak ya vyavsaayik sanstha ki credit risk ko kam kiya ja sakta hai.

3. Diversification ; Diversification ki madad se utpaadak ya vyavsaayik sanstha ki credit risk ko kam kiya ja sakta hai.

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