Разпределение на риска между търговските банки и предприятията при отпускане на кредити в контекста на критичната инфраструктура
Allocation of risk between the commercial banks and the enterprises in the lending in the context of critical infrastructure

Author(s): Valeri Nenkov, Tsvetelina Nenkova
Subject(s): Economy, National Economy, Financial Markets, Accounting - Business Administration
Published by: Международно висше бизнес училище
Keywords: critical infrastructure; risk; enterprise; commercial bank; credit
Summary/Abstract: The critical infrastructure arose as a result of the economic crisis and this necessitates the use of bank loans to finance the activities of the enterprises with a limited amount of equity capital and a deteriorated financial condition. When granting short-term and long-term loans to finance the needs of the enterprises, the commercial banks require the provision of solid guarantees designed to reduce the risk of non-payment to a minimum. This limits the implementation of the plan for the investments of the enterprises and gives priority to financing with own funds, which are insufficient in the conditions of the crisis, to solve the following problems: regular payment of the installments on pre-contracted loans; ensuring the remuneration of capital owners - distribution of the dividends between the shareholders; maintaining the economic potential of the enterprise at a competitive level. In this aspect, the aim of the research is to analyze the reasons for reducing the risk in granting loans, the opportunities to improve the activity of the "Finance" sector of the critical infrastructure, the ways to strengthen the activity of enterprises and to conduct of a correct state financial policy, which are a guarantee of overcoming the negative consequences of the crisis. In this regard, the report draws conclusions regarding the impact of the changes in the inflation and the interest rates on loans on the economic behavior of the enterprises to reduce financial risk and improve bank lending in the conditions of an economic crisis.

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