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Smart Reasoning:

C&E

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Qaagi - Book of Why

Causes

Effects

Factorscontributingto credit risks

all the factorscontributingto credit risks

the factorscontributeto credit risks

access loanswill causecredit risks

by excessive capacity expansion(passive) caused bycredit risks

bank depositswould causecredit risks

the immediate supply shortage problemsresultingfrom credit risks

Financial risks affect the cash flow of investors and their ability to honour their debt serviceinfluencingcredit risks

Financial risks Financial risks Financial risks affect the cash flow of investors and their ability to honour their debt serviceinfluencingcredit risks

Financial risks Financial risks affect the cash flow of investors and their ability to honour their debt serviceinfluencingcredit risks

the quality of a clients character and trust relationship ... the key factorsare influencingcredit risks

the main factorscausingcredit risks

The client 's refusal to pay the principal and interest after being financed by the bankcan also leadto credit risks

the integration of commercial risk scorecards within existing modelling activities(passive) can be influenced byCredit risk policy

Credit ... only those customerscontributegood credit risk

by these exposures(passive) contributed bycredit risk charge

financial policiesresultsin greater credit risk

Because they are unable or unwilling to repay the loan after borrowing from the bank , the loan bank ca n't even get the principal and interest back on timecausingserious credit risk

higher rateswill ... causecredit risk concerns

changes in the credit quality of the banks borrowersinfluencethe credit risk

Credit market innovationshave resultedin credit risk

a set credit policycontributesto credit risk

The derivatives fair valueoriginatingfrom credit risk

the Company ... qualitative factorsinfluencecredit risk

The period 's change in fair valueoriginatingfrom credit risk

by excessive bank lending(passive) caused bythe credit risk

by default loans of individual borrowers(passive) caused bythe credit risk

default loans of individual borrowers(passive) caused bythe credit risk

Credit enhancementsinfluencecredit risk

by each others ' credit exposures(passive) caused bythe credit risk

by the tightening of broad credit(passive) caused bythe credit risk

each others ' credit exposures(passive) caused bythe credit risk

factorsinfluencecredit risk

factorsinfluencingCredit Risk

the factorsinfluencingcredit risk

the factorscausingcredit risk

the factorsinfluencecredit risk

factorsleadingto credit risk

factorscontributeto credit risk

which factorsmay ... leadto credit risk

the Company to incur lossesmay causethe Company to incur losses

in more credit losses than loans with a low credit riskto resultin more credit losses than loans with a low credit risk

from normal commercial transactions or financing activitiesresultingfrom normal commercial transactions or financing activities

in lossescould resultin losses

the rates and terms offered to a potential borrowermay influencethe rates and terms offered to a potential borrower

negative impacts to project performance and profit of construction firmscausednegative impacts to project performance and profit of construction firms

because of their insurancecausesbecause of their insurance

from the potential of increased interest to be paid by the customer as a result of increases in interest ratesresultingfrom the potential of increased interest to be paid by the customer as a result of increases in interest rates

from credit sales within the local marketresultingfrom credit sales within the local market

to decreasing market values of assetsleadto decreasing market values of assets

alsoare ... promptingalso

to investors being cautious with their moneyleadto investors being cautious with their money

from the controversy as well as focus on any financial , legal or reputational impacts on the universityresultingfrom the controversy as well as focus on any financial , legal or reputational impacts on the university

from potential increased costsresultingfrom potential increased costs

from climate changeresultingfrom climate change

in the formation of moral riskmay resultin the formation of moral risk

to delayed payments that affect the industry negativelyleadto delayed payments that affect the industry negatively

in a credit profile more in line with the ' AA- ' rating within the outlook periodmay resultin a credit profile more in line with the ' AA- ' rating within the outlook period

from potential increased costs to the borrowerresultingfrom potential increased costs to the borrower

to uncertainty in financial system Leadersleadto uncertainty in financial system Leaders

in issuer defaultresultin issuer default

from liquid assetsresultingfrom liquid assets

to a new financial crisisleadingto a new financial crisis

some Western banks to rethink their exposure to Chinaare ... promptingsome Western banks to rethink their exposure to China

from foreign exchange and interest rate fluctuationscan ... originatefrom foreign exchange and interest rate fluctuations

in a reversal of the credit - spread compressionresultingin a reversal of the credit - spread compression

from the financing of public and private sector clientsresultingfrom the financing of public and private sector clients

mainlyoriginatemainly

in substantial improvements in data accuracy and reductions in the time taken to make credit decisions and open accountsresultingin substantial improvements in data accuracy and reductions in the time taken to make credit decisions and open accounts

from severe weather impacting infrastructure or agricultural productionresultingfrom severe weather impacting infrastructure or agricultural production

from more severe weather patterns impacting infrastructure or agricultural productioncould resultfrom more severe weather patterns impacting infrastructure or agricultural production

the businessinfluencesthe business

the companyinfluencesthe company

the enterpriseinfluencesthe enterprise

the organizationinfluencesthe organization

the business enterpriseinfluencesthe business enterprise

ActivelyoriginateActively

for small firm ownersdesignedfor small firm owners

in increased levels of delinquency and modest growthresultingin increased levels of delinquency and modest growth

foreign investors to halt further lendinghave promptedforeign investors to halt further lending

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Smart Reasoning:

C&E

See more*