credit appraisal (EN)

phrase

phrase “credit appraisal”

1. the evaluation of an individual's ability and willingness to repay a loan
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   Before granting the small business loan, the bank conducted a thorough credit appraisal to assess the owner's financial stability.
2. the assessment of an organization's or country's creditworthiness, particularly relating to its capacity to meet debt obligations
   International investors carefully studied the agency's credit appraisal of the country's economy before deciding to purchase its government bonds.