Suurel osal juhtudel langesid laenud madalamasse riskirühma seetōttu, et klientide finantsolukord pangale esitatud finantsaruannete järgi on mitterahuldav. Nimetatud finantsaruannete järgi vōib neil ettevōtetel pikemas perspektiivis tekkida raskusi laenuintresside ja -pōhiosa maksmisega. Antud olukord tekitab pangale lisariski, mille tulemusena aeglustub raha käibekiirus, kuna tagatiseks oleva vara realiseerimine on pikaajaline protsess ning ei pruugi alati ōnnestuda.
This Directive should concern winding-up proceedings whether or not they are founded on insolvency and whether they are voluntary or compulsory. It should apply to collective proceedings as defined by the home Member State's legislation in accordance with Article 9 involving the realisation of the assets of an insurance undertaking and the distribution of their proceeds.
