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  • 1.
    Daneli, Alicia
    et al.
    Linköping University, Department of Management and Engineering, Business Administration. Linköping University, Faculty of Arts and Sciences.
    Nordenö, Anton
    Linköping University, Department of Management and Engineering, Business Administration. Linköping University, Faculty of Arts and Sciences.
    Kayar, Efraim
    Linköping University, Department of Management and Engineering, Business Administration. Linköping University, Faculty of Arts and Sciences.
    "Är vi kreditvärdiga?": Hur svenska banktjänstemän fattar kreditbeslut utifrån struktur och professionella bedömningar2019Independent thesis Basic level (degree of Bachelor), 10 credits / 15 HE creditsStudent thesis
    Abstract [en]

    Introduction Loan and credit is an essential part of today’s economy, both in term of private individuals and corporates. If the banks are too restrictive for corporate credit, the economic growth risks being affected. Furthermore, the banks are considered to be less willing to take risk. This is a problematic trend and the fact is that corporates cannot be sure that they get an objective assessment of their credit application. Thus, a creditors’ reasoning in their assessment plays a crucial role in a credit application. The bank´s structural guidelines that creditors must relate to also affect how the bank officials make credit decisions.

    Purpose: The aim of the study is to explore the bank official's credit assessment and its anchoring in the bank's structure versus the official's professional judgement.

    Method: The study is conducted with a deductive approach and qualitative method. The empirical collection is based on semi-structured interviews.

    Conclusion: The result of the study show that creditors have a considerable amount of space when it comes to the individual assessment of a credit applicant. Where the bank’s assistive tools end, a clear individual assessment begins, about how to choose to continue ahead. It becomes clear that the 5C model was a large part of the credit assessment of all respondents. The most important component of the five Cs is the capacity of repayment, as it is the one that generates revenue for the bank. What we consider to be the most interesting were how much all respondents emphasized the importance of the personal meeting and its impact on the credit decision.

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