Credit risk and valuation of financial assets in financial institutions [Riesgo crediticio y valoración de activos financieros en entidades financieras]
DOI:
https://doi.org/10.62574/rmpi.v4iespecial.163Keywords:
financial policy, monetary policy, international monetary systemsAbstract
The objective of this paper is to determine the relationship between the quality of the loan portfolio and the valuation of financial assets, identifying the specific effects that poor credit risk management can have on a financial institution. The study was developed under a descriptive scope, the main technique used was a desk review of 26 documents. The results indicate that, in order to improve credit risk management and asset valuation in financial institutions, it is important to diversify the credit portfolio and establish clear and rigorous credit policies. It is concluded that proactive and strategic credit risk management is essential to ensure the stability of the financial system, stressing the relevance of accurate valuation of financial assets and its direct impact on institutional soundness.
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