Economics Essay 代写:信用风险

Keywords: Economics Essay 代写

传统的信用风险或贷款风险主要是由于破产而支付一定数额的资金失败。交易对手风险或违约风险也会出现在合同义务，但是失败的交易对手风险正本非处方（OTC）证券及衍生工具（芬，2009）。交易对手的风险被认为是关键的金融风险，尤其是自2007金融危机之后，交易中的一方将在交易到期前违约，并不能保证未来的支付或利润。不确定性和双边的潜在损失是交易对手风险两个字符（格雷戈瑞，2010，第16页）。交易对手风险或违约风险被视为信用风险的一个组成部分。信用风险的另一个组成部分是利差风险或降级风险，或市场风险（巴塞尔二）。利差风险来自信用评级下调导致的金融工具价值的降低。但在谈到信用风险时，主要是违约风险。

 Economics Essay 代写:信用风险

The traditional credit risk or the lending risk is mainly about the failure of paying certain amount of money back because of the insolvency. The counterparty risk or the default risk also arises from the failure of the contractual obligations but originals of the counterparty risk are over-the-counter (OTC) securities and derivatives (Seyoum, 2009). The counterparty risk is considered to be the key financial risk, especially after the financial crisis since 2007, that a counter party in the transaction will default prior to the expiration of the trade, and no guarantee for the future payment or profit. Uncertainty and bilateral potential loss are two characters of the counterparty risk (Gregory, 2010, p.16). The counterparty risk or the default risk is seen as one composition of the credit risk. The other composition of credit risk is the spread risk or the downgrade risk, or the market risk (Basel II). The spread risk arises from the reduction in the value of financial instruments as a result of credit rating downgrade. But when talking about credit risk, it is mainly the default risk.