Ανάπτυξη και μελέτη στατιστικών μοντέλων μέτρησης πιστωτικού κινδύνου και ελέγχου φερεγγυότητας εταιριών
Βατάμης, Δημήτρης Χ.
It is true that nowadays the sector of credit insurance is extremely developing. The existence of the credit sector is very important because usually many companies are unable to pay up their debts to their suppliers. As a result credit insurance appertains to credit deals and does not include cash deals or open account deals. For example, when a company is being supplied with a quantity of products or feedstock from another ( of the same or another sector ) the debt is being paid with an emission of a behest, and not in cash. Consequently the risk of loss due to a deptor`s non-payment of a loan or other line of credit (credit risk) exists. In this case the insurance company must indemnify its client. The question is how necessary this kind of insurance is. The answer is very simple if you think that usually the 70% of the turnover of a company appertain credit sales, and that the 33% of the companies are unable to clear off a debt.