The decisions of the loan and risk threats

forozan mohamdi yarijani¹

1) phd accounting

IOI Code : XYCG-AEZZC
Publication : international conference of Management Elites(icme.ir)
Abstract :
    In this study a structural model of bank loan portfolios to consider and bank of America realized that conventional loans during the global financial crisis have cut jobs.Loss of credibility due to the increase of jobs at risk (based on the decrease in liquid assets recorded on the balance sheet) and Loss of credibility due to the increase of jobs at risk (based on the decrease in liquid assets recorded on the balance sheet) and About 6% of all Commercial Banks and financial institutions went bankrupt between 2007 and 2012 and 411 to 478 bankruptcies affect small businesses that have less than a billion dollars Reduction in SME credit by banks seeker who is a credit crunch or credit rationing, Have aggravated the effects of the economic downturn. The effects of short-term emergency credit companies to raise capital through the cancellation of inventories and retention of staff, was performed. This is contrary to the relationship between small businesses and banking, which holds that any surplus funds when they are needed, will be available.In this article, we examine whether, how and why Bank of America financing for small enterprises decreased during the economic crisis.

Keywords : loan risk economic crisis small banks