Credit Environment

Authors

  • V. Gopalan Visiting Professor IIMK and ISB Exe Education Chennai
  • Harini Gopalan Area Head Business Credit ICICI Bank Hyderabad

DOI:

https://doi.org/10.33516/maj.v59i2.66-69p

Keywords:

No keywords.

Abstract

‘Credit Environment’ is important in determining the availability and the terms of loans to the credit seekers. A well-managed financial system is essential for a sound and fool-proof credit environment. Macro and micro economic indicators as also the external conditions prevailing in the market influence the credit environment. Regulatory policies and the monetary policies of the Government and the Central Bank contribute to a major extent to the credit environment of any country. In the absence of a tight credit environment, lenders may offer credit to the borrowers with lower credit worthiness. The sub-prime crisis and the financial meltdown in 2008 is a case of lending credit to the borrowers with a poor credit record.

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Published

2024-03-15

How to Cite

Gopalan , V., & Gopalan , H. (2024). Credit Environment. The Management Accountant Journal, 59(2), 66–69. https://doi.org/10.33516/maj.v59i2.66-69p

References

ICAI Guidance note ‘Early signals of Fraud in Banking Sector (2018).

www.economictimes.indiatimes.com

www.ibef.com

Enterprise Risk Management, Wiley 2014

www.sec.gov

www.rbi.org.in

www.pib.gov.in(Press Information Bureau).

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