What do you mean by credit risk culture discuss its, Risk Management

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What do you mean by credit risk culture discuss its

1. Explain the factors that decide whether credit risk enjoys a strategic position within a business.

2. What do you mean by credit risk culture? Discuss its importance.

3. Explain the importance of credit risk appetite. What are the factors to be considered while deciding credit risk appetite?

4. One of your friends argues that borrowers need not study credit risk analysis because it is the territory of the lending institutions. Do you agree? Please elaborate.

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