Credit Insurance - An Important Fact in Banking Risk Management

The efficient management of banking risks involves the creation within a bank of separate entities that coordinate: the market risk, the credit risk and the evaluation of risks. The collaboration between these entities must be perfect in order to attain the desired objective, that is, professional risk management and the profitability evaluation of opportunities. Thus, at present, the separate analysis of the credit risk can no longer be carried out without being associated with the analysis of other current banking risks that exert either direct or indirect influences. The professional banking risk management must be analyzed through a strategic coordination of all the aspects which seem unimportant, but which, if controlled, can reduce inherent banking risks and superiorly remunerate the bank capital allocated for the respective activity.