FIN-98-003


Credit Risk Measurement and Management: The Ironic Challenge in the Next Decade

February 1998

Edward I Altman

ABSTRACT
We are experiencing dynamic changes in the interest and concern with credit risk management despite historically low default rates and losses in the loan and corporate bond markets. The reasons are that lending institutions are increasingly comfortable with transacting their assets in counterparty arrangements whereby credit risk exposed is shifted. This motivation has helped to stimulate the congruence of several important ingredients for the sophisticated treatment of corporate credit evaluation and management including stand-alone valuation techniques, portfolio management approaches, comprehensive and reliable relevant data bases and the growth in credit derivative and other types of credit insurance structures. We expect these dynamic forces to continue over the next several years.

Subject: Banking, Corporate Finance/Bankruptcy, Investment/Fixed Income (Theoretical)

Altman: (212) 998-0709 ealtman@stern.nyu.edu
http://www.stern.nyu.edu/~ealtman/

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