A Research Project On Credit Risk Management Basic

The theoretical framework or theoretical review can be defined as a set of linked idea that facilitate to better understand the content of a research project. ( Investopedia.com) According to Van Gestel and Baesens in their book â€Å"Credit risk management basic† in order for banks to ensure a good credit risk management and to maximize its profitability it is very important that banks pays particular attention to four practices. Those practices are the selection of a solvable counterparty, limitation is to fix a limit risk exposure regarding the counterparty, diversification spread the credit risk in order to avoid a concentration on credit risk problem this will allow the bank to not bear the risk alone and finally the Credit echanment is†¦show more content†¦The Credit Scoring is a set of decision models and the underlying techniques that help in the decision to grant consumer credits (Thomas 2002). In summary, we can say that Credit Scoring is risk management tool that aims to predict the probability of default of a new loan using the previous loans. Thus, the purpose of the Credit Scoring is to predict risk and not to explain it. 1.1.2 The five C’s model â€Å"When a small business applies for a business loan, a bank or other lender follows a certain protocol when evaluating the application. One thing the bank uses is the 5 C s of credit analysis to evaluate the application for the loan.† (Peavler, 2016) Character: The first criterion is of course an analysis that covers the client (honesty, transparency, experience, training, past successes, strengths, etc.). The lender looks at the character of the leader and company foremost. The lender will ask himself question such as, do I trust the person before me to grant him a loan? Is he going to repay the loan as agreed? In addition, the lender will look at the quality of the managers in place. Even in difficult times, a team of competent managers will manage the activities of the company and take the

Sexual Abuse In The Crucible Essay - 913 Words

Sex Abuse and The Crucible Innocent people are accused for things they may not have done-this brings fear to everyone around them, and no one will feel safe to do anything. In the play The Crucible by Arthur Miller, there are many people being accused of wrongdoing for actions they may have not done. The Crucible tells a story of a group of young girls dancing in the woods. They are accused of calling for the devil-they chose people who they feel may be attached to the devil and wrongfully accuse them. In a more recent event many people in the city of Jordan, Minnesota are accused of being involved with sexual assault. When heavy events occur in a town, the people are quick to come to conclusions, which will take forth many people†¦show more content†¦There is talk that parents are now reluctant to bathe or even cuddle their children for fear of being charged with molesting them ¨ (E.R. Shipp n.pag.). This shows the impact is can have and, how many people are scared of the fact that they may to be a ccused of something with just little evidence to prove it, whether is be true or not. Happenings like, The crucible and/ Sexual assault can leave a mark on the people. This leaves fear in the town of the parents who have children with what they can do and what they cannot do without someone thinking it as something else, therefore being accused of something false. A common theme between witchcraft and sexual assault is the fear of being left with a reputation, or what people may think of you and your name. Proctor is scared of what people may think of him when he and Abigail had a secret relationship. He did not what to include it in any discussions and just wanted to forget about it. When proctor was asked what the 10 commandments are he left out the one of adultery  ¨Thou shalt not steal. Thou shalt not covet thy neighbors goods, nor make unto thee any graven image. Thou shalt not take the name of the Lord in vain; thou shalt have no other gods before me. Thou shalt remember the Sabbath Day and keep it holy. Thou shalt honor thy father and mother. Thou shalt not bear false witness. (he is stuck. He counts back on his fingers, knowing one is missing.) Thou shalt not make unto thee any graven ¨ (Miller).Show MoreRelatedPace Rhythm - Ib English a Hl Paper 22293 Words   |  10 PagesArthur Miller s The Crucible variations of pace and rhyt hm are utilized in order to attract or heighten the attention of the audience. However, in order to determine the manner in which variations of pace and rhythm affect the audience interruptions to routines, the juxtaposition of calm and hysteria, the use of pace to reflect tension and the way in which structure influences the interest of the audience need to be taken into consideration. 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Injury Prevention A Concussion Game Against The Washington Redskins examples Essay Example For Students

Injury Prevention : A Concussion Game Against The Washington Redskins examples Essay In late October, Philadelphia Eagles star running back Brian Westbrook suffered a concussion in a game against the Washington Redskins. He sat on the sidelines for two weeks, recovering but when he returned to play on Nov. 15 against the San Diego Chargers, Westbrook got yet another concussion, putting his season and his career in doubt. Westbrook s immediate re-injury raises the question: should he have been playing at all? And just how many football players are returning to play too soon after concussions, or not having the seriousness of their injuries recognized? On Dec. 3, in the wake of much debate over the long-term damage concussions do to players, the National Football League announced new rules governing concussion management. Players who ve had a concussion will now only be allowed to return to the field after being cleared by an independent neurologist.But concussion is not just an issue for the NFL. A study from the National Center for Injury Prevention found that 47% of high school football players say they suffer a concussion each season, with 37% of those reporting multiple concussions in a season. But according to the American College of Sports Medicine, some 85% of sports-related concussions go undiagnosed, and even when they are diagnosed, more often than not, concussions in football and other sports aren t being managed properly. Guidelines from the American Academy of Neurology say that, for example, if an athlete s symptoms after a concussion such as dizziness or nausea last longer than 15 minutes, he should be benched until he s been symptom-free for a week. But a three-year study of play in 100 U. S. high schools found that nearly 41% of athletes were back on the field too soon.It s pretty clear tha. .sually involved routine blocks and tackles, often along the line of scrimmage. There are distinct differences in age when it comes to managing sport related concussions. Recent research demonstrates that high school athletes not only take longer to recover after a concussion when compared to collegiate or professional athletes, but they also may experience greater severity of symptoms and more neurological disturbances as measured by neuropsychological and postural stability tests. It is also estimated that 53% of high school athletes have sustained a concussion before participation in high school sports, and 36% of collegiate athletes have a history of multiple concussions. Because the frontal lobes of the human brain continue to develop until age 25, it is vital to manage youth concussions very conservatively to ensure optimal neurological development and outcomes.

One of my favorite things to do when traveling in Essays

One of my favorite things to do when traveling in a new city is to visit the museums. I have never been to a city that did not offer the usual museum fare, usually in the form of the "Anytown Art Museum", or the "Anytown Museum of Natural History". While these types of museums house some incredible artifacts, and I do visit them often, I also like to seek out museums of a more unusual sort. Museums are mostly the same just about everywhere you go, both in the United States and Europe. They offer the visitor a glimpse into the past culture of any given city or country by displaying relics found throughout the world. But there are also many museums that showcase artifacts of the culture in a much more specific way. Some fine examples of these kinds of museums include the Pez Museum, close to San Francisco, dedicated to the little candy dispenser, the Muzeum hracek in Prague, dedicated to toys of the world, both past and present, the Dungeon, a history of Medieval torture, also in Prague, and the Liberace Museum in Las Vegas, dedicated to all things Liberace--and I mean all things. The Pez Museum is not actually in San Francisco, but is located south of the city in a town called Burlingame. If you are in the Bay Area for any reason, do not miss this museum! Remember when you were a little kid, and you loved to collect Pez dispensers? Well, times have changed, and now Pez c ollections mean big money, and big business. The most expensive Pez dispenser to date is the short lived Mr. Potato Head dispenser, complete with a make-it-yourself face. This Pezsells for $5,000 at auction! This museum contains literally hundreds of Pez Dispensers, collected since their inception back in the Fifties. While Pez may not compare to a Rodin sculpture in terms of being considered classical art, obviously there are some people out there who appreciate the finer nuances of a mere candy dispenser. Toy museums abound throughout the world. I have been lucky enough to have visited two toy museums in my life, both in Europe. The first one was in a quaint town in Germany called Rothenburg. This town dates back to the Medieval era, and is one of the few towns in western Europe that is still contained within its original defense walls. Because most of the buildings inside the walls are original, this town has become a major tourist attraction for European tourists. The Toy and Puppet Museum in Rothenburg is displayed in a 15th century house just outside the walled part of the city. It contains over 800 dolls and puppets from France and Germany dating back some 200 years. When you walk into this museum, you are immediately overwhelmed by all of the faces staring back at you. Most of the dolls and puppets are in cases, and as you wander through the halls, you get this creepy feeling of their eyes following you as you go. The puppets are fascinating. Once upon a time, puppet shows traveled throughout the countryside, entertaining the masses just like the movies do today. Puppet shows were also a vehicle to bring news of the current events and developing politics of the cities to those in the countryside. It is fascinating to see the development and evolution of these puppets through the ages. As the cultures of France and Germany changed, so did the puppets facial expressions, clothing and accessories. The other toy museum I visited was located in the Count's chambers in Prague Castle, the Museum hracek. This museum offers more of a variety of toys than just dolls and puppets like the one in Rothenburg. The museum showcases toys from the last 150 years including intricate toys made oftin and toy clocks that really work. The delicate workmanship of these clocks and tin toys speaks volumes about the evolution of toys from then to now. Children love technological toys no matter what age they live in. The Barbie doll collection here needs to be seen to be believed. Hundreds of Barbie dolls live in their own separate room of the museum. They range from the