Αξιοπιστία δανειοληπτών στην Ευρωζώνη: συστήματα διαχείρισης ποιότητας
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Keywords
Δείκτης των προβληματικών δανείων ; Διασφάλιση ποιότητας ; Βαθμός αξιοπιστίας δανειοληπτών ; Ληξιπρόθεσμες απαιτήσειςAbstract
The purpose of the master thesis is to estimate on which level the ratio of non-performing loans (NPL ratio) is affected by specific economic factors in the Eurozone area. This ratio is used by the banking receivables management systems in order to take the appropriate quality assurance decision for their portfolio. At the literature review, a reference is made to the role of the European Central Bank and the formulation of her monetary policy. At the same time, during the methodology research, the model of regression is presented, including the estimation of the NPL ratio and its economic factors. The next chapter shows the statistical results of research. In conclusion, the NPL ratio reveals the degree of debt holder credibility and with the correct evaluation, the bank executives are looking for the best policy to secure the receivables of the debt holders.