Risk assessment when issuing bank loans is just a formality
Previously, banks issued loans based on an assessment of not only the current solvency of the borrower, but also its risk, at least within the entire repayment schedule of the loan.
Today, the assessment by banks, in particular of business plans, is done purely formally, and decisions are made more based on the fact thatThe party said".
This causes even greater concern about the purity of bank assets (their non-toxicity) in conditions of approaching limited monetary liquidity.
Be vigilant about investing your funds in bank deposits, especially for long-term loans, although the high rate pushes for this.
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