Use of financial analysis for credit rating of enterprises applying for a loan

• Authors: Marta Maršíková , Pavel Rousek
• Languages of publication: EN

Abstracts

EN

The paper deals with a method of financial analysis applied by bank institutions in the Czech Republic used for assessment of reliability and solvency of a client applying for a loan. Clients are scored by financial ratios of financial analysis and according to the total sum a letter ranged from A to G is assigned. Further, the paper assesses 81 engineering and 112 construction enterprises according to the above mentioned methodology. An evaluation of the development of reliability and solvency in both sectors is discussed as well.

Keywords

EN

bank; loan; business; financial analysis; reliability and solvency

Discipline

• ECONOMICS: ECONOMICS

• Publisher: The Institute of Technology and Business in České Budějovice, Czech Republic
• Journal: Littera Scripta
• Year: 2011
• Volume: 2
• Pages: 35-42

Dates

published

2011-12-22

Contributors

author

Marta Maršíková

• Jihočeská univerzita v Českých Budějovicích

author

Pavel Rousek

• Vysoká škola technická a ekonomická v Českých Budějovicích

• [e-mail], Redakce Littera Scripta, VŠTE, Okružní 10, České Budějovice 37001, Czech Republic