Have the procedures for testing the creditworthiness of potential borrowers applying for a loan to the bank have been improved since autumn 2008, ie since the appearance of the global financial crisis?
In the context of the above issues, an important research topic may be the analysis of improving the creditworthiness assessment procedures of potential borrowers applying for a loan to the bank in order to answer the question: have these procedures been corrected since the autumn 2008, ie the global financial crisis?
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In my opinion, after the global financial crisis of 2008, many issues were improved in the functioning of finns systems and many enterprises in other branches of the economy were restructured. However, everything has been improved, what should be improved in the matter of credit risk management in the context of entering into transactions on securities markets, by banks and investment funds? Is the likelihood of the appearance of another, similar crisis already small? whether the valuation of securities on stock exchanges again did not reach a high revaluation in relation to the development potential of the economy? In this matter, does macroeconomic analyzes take into account whether it ignores the issue of high public sector debt, high budget deficit? The probability of another crisis is still high if all factors of the country's economic development are taken into account.
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