Commercial Credit and the Recession

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Credit Management Association

Information on using credit enhancements to reduce or eliminate credit risk.

Commercial Credit and the Recession: Use Credit Enhancements to Reduce or Eliminate Credit Risk Scott E. Blakeley, Esq. Blakeley & Blakeley LLP 1000 Quail Street, Suite 200 Newport Beach, CA 92660 Voice: (949) 260-0612 Fax: (949) 260-0613 [email_address] www.bandblaw.com

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Commercial Credit and the Recession: Use Credit Enhancements to Reduce or Eliminate Credit Risk ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Commercial Credit and the Recession: Use Credit Enhancements to Reduce or Eliminate Credit Risk ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Commercial Credit and the Recession: Use Credit Enhancements to Reduce or Eliminate Credit Risk ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Commercial Credit and the Recession: Use Credit Enhancements to Reduce or Eliminate Credit Risk ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Commercial Credit and the Recession: Use Credit Enhancements to Reduce or Eliminate Credit Risk ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Commercial Credit and the Recession: Use Credit Enhancements to Reduce or Eliminate Credit Risk ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Commercial Credit and the Recession: Use Credit Enhancements to Reduce or Eliminate Credit Risk ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Commercial Credit and the Recession: Use Credit Enhancements to Reduce or Eliminate Credit Risk ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Commercial Credit and the Recession: Use Credit Enhancements to Reduce or Eliminate Credit Risk ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Commercial Credit and the Recession: Use Credit Enhancements to Reduce or Eliminate Credit Risk ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Commercial Credit and the Recession: Use Credit Enhancements to Reduce or Eliminate Credit Risk ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Commercial Credit and the Recession: Use Credit Enhancements to Reduce or Eliminate Credit Risk ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Commercial Credit and the Recession: Use Credit Enhancements to Reduce or Eliminate Credit Risk ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Commercial Credit and the Recession: Use Credit Enhancements to Reduce or Eliminate Credit Risk ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Commercial Credit and the Recession: Use Credit Enhancements to Reduce or Eliminate Credit Risk ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Commercial Credit and the Recession: Use Credit Enhancements to Reduce or Eliminate Credit Risk ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Commercial Credit and the Recession: Use Credit Enhancements to Reduce or Eliminate Credit Risk ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Commercial Credit and the Recession: Use Credit Enhancements to Reduce or Eliminate Credit Risk ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Commercial Credit and the Recession: Use Credit Enhancements to Reduce or Eliminate Credit Risk ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Commercial Credit and the Recession: Use Credit Enhancements to Reduce or Eliminate Credit Risk ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Commercial Credit and the Recession: Use Credit Enhancements to Reduce or Eliminate Credit Risk ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Commercial Credit and the Recession: Use Credit Enhancements to Reduce or Eliminate Credit Risk ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

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risk which the exporters importers have to go through. A credit risk is the risk of default on a debt that may arise from a borrower failing to make required payments. In the first resort, the risk is that of the lender and includes lost principal and interest, disruption to cash flows, and increased collection costs. Credit risk refers to the risk that a borrower may not repay a loan and that the lender may lose the principal of the loan or the interest associated with it.

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Contingent liabilities are those future expenses that might occur. Common examples include lawsuits, warranties on company products and unsettled taxes. Because of the risks they impose and the increased frequency with which they occur in contemporary finance, contingent liabilities should be carefully considered by every private and government auditor. Credit rating agencies, creditors and investors rely on audits to expose hidden risks to counterparties. The opposite risk is also present. A company might overstate its contingent liabilities and scare away investors, pay too much interest on its credit or fail to expand sufficiently for fear of loss. Solution Contingent liabilities are those future expenses that might occur. Common examples include lawsuits, warranties on company products and unsettled taxes. Because of the risks they impose and the increased frequency with which they occur in contemporary finance, contingent liabilities should be carefully considered by every private and government auditor. Credit rating agencies, creditors and investors rely on audits to expose hidden risks to counterparties. The opposite risk is also present. A company might overstate its contingent liabilities and scare away investors, pay too much interest on its credit or fail to expand sufficiently for fear of loss..

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