| Abstract [eng] |
Scientific research work of the authors has developed a small-scale short-term credit margin calculator, as lowering the risk factor, based on the Basel II standards and analyzed the short-term credits , provide economic benefits to small businesses SEB bank . Designed for small-scale short-term margins spreadsheet application, the authors evaluated on the basis of small company JSC "A", JSC "B," JSC "C" in financial reports. Also reviewed the work of the short-term types of credit and economic short-term credit rating in SEB bank, isolated one of the key indicators- short term credit risk. Rated the importance of Basel in the same bank loan policies and analyze the business loan credit risk models. The main methods used in this work - analysis of lithuanian and foreign authors of literature sources, a comparative analysis of scientific articles. Graphical and statistical analysis used in scientific work determining the relevance of the credit risk and assessing the short-term credits,provided to small businesses SEB bank in the economic benefits. |
