CREDIT ASSESSMENT CRITERIA USED BY INTERNATIONAL FINANCIAL INSTITUTIONS
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Credit assessment, international financial institutions, creditworthiness, debt sustainability, IMF, World Bank, financial transparency, risk analysis.Abstrak
This paper examines the credit assessment criteria employed by international financial institutions such as the IMF, World Bank, and regional development banks. These institutions evaluate a borrower's creditworthiness using indicators like debt sustainability, fiscal performance, governance quality, and financial transparency. The study compares different institutional approaches and identifies common standards and differences. It also highlights how these criteria influence lending decisions and risk management. Understanding such frameworks is essential for countries seeking international financial support. The findings contribute to improving credit assessment practices and enhancing financial discipline, especially in developing economies facing external financing challenges.
Iqtiboslar
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World Bank. (2022). Country Policy and Institutional Assessment (CPIA): Criteria and Methodology.
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IMF. (2023). The Role of Governance in Credit Assessment. IMF Working Paper WP/23/107.
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