Kredito rizikos vertinimas lizingo bendrovėse
The credit risk assessment of leasing companies

Summary/Abstract: Analysis of credit risk management and assessment in leasing companies shows that risk assessment can be performed applying various methods, which have been identified by analysing the scientific literature. Moreover, the research also shows that the credit risk in commercial banks and leasing companies although having certain common aspects of the concept, in principle differ in its content, what has been disclosed in the article. When assessing the credit (leasing services) risk in leasing companies the main focus is made on assessment of quality of portfolio of services through portfolio diversification, using the methodology for concentration identification for that purpose and taking two concentration methods as a basis, such as a the Herfindahl – Hirschman Index (HHI) and Shannon entropy coefficient (S). The trends revealed in the course of the research show that the credit (leasing services) portfolio risk depends on the level of portfolio diversification by individual sectors of economic activity, what has been demonstrated by the concentration ratios used in the research.

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