Theoretical Perspective of Dynamic Credit Risk Analysis and Lending Model; Effective to Enterprises of Fragile Economy

There is empirical evidence and objective argument, which justifies the core functioning of money in economic growth and its correlation to the development of a Nation, which equally establishes the reason for the relevant role of Banks in every economy. The underpinning of this research is to present the necessity for the financial industry of undeveloped and developing economies fragile in their functioning, to adopt the proposed theoretical perspective of dynamic credit-lending-risk analysis as an upgrade model over the existing static credit-lending-risk analytical approach, found to be ineffective to the productiveness of enterprises, emerging from such economies, hence, creating frustration to the welfare design of the State, and heightening its unemployment tension