Credit analysis- 3 R’s, 5 C’s and 7 P’s

Credit analysis- 3 R’s, 5 C’s and 7 P’s (क्रेडिट विश्लेषण - 3 R’s, 5 C’s और 7 P’s):- Credit analysis is a critical process in determining the creditworthiness of a borrower, whether an individual or a business. It typically involves assessing several factors, often summarized as the 3 R's, 5 C's, and 7 P's of credit. Here’s a detailed explanation of each:

(क्रेडिट विश्लेषण किसी उधारकर्ता की क्रेडिट योग्यता निर्धारित करने की एक महत्वपूर्ण प्रक्रिया है, चाहे वह व्यक्ति हो या व्यवसाय। इसमें आमतौर पर कई कारकों का मूल्यांकन शामिल होता है, जिन्हें अक्सर क्रेडिट के 3 R’s, 5 C’s और 7 P’s के रूप में संक्षेपित किया जाता है। यहाँ प्रत्येक का विस्तृत विवरण दिया गया है:)

The 3 R's of Credit (क्रेडिट के 3 R's):- These are the fundamental principles guiding the credit assessment process:

(ये क्रेडिट मूल्यांकन प्रक्रिया के मौलिक सिद्धांत हैं:)

i. Risk (जोखिम):- This refers to the potential for the borrower to default on their debt. Credit analysts evaluate the likelihood that the borrower may not be able to meet their financial obligations. They assess both the financial stability of the borrower and external economic factors that may impact their ability to repay.

(यह इस संभावना से संबंधित है कि उधारकर्ता अपने कर्ज को चुकाने में असमर्थ हो सकता है। क्रेडिट विश्लेषक उधारकर्ता की वित्तीय स्थिरता और बाहरी आर्थिक कारकों का मूल्यांकन करते हैं जो उनके भुगतान करने की क्षमता को प्रभावित कर सकते हैं।)

ii. Return (रिटर्न):-

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