In this article I want to update and improve an analysis I did some time ago, and published on LinkedIn, which can be accessed through this link: Credit Granting can be used as a proxy for the Financial Cycle, which tends to present a “boom” before the beginning of a recession. Intro I will start with the definition of a cycle: a cycle is a low-frequency variation event.

I started this website some time ago with the aim of writing down the expansion of my knowledge and experience in the area of financial risk management. And also other things like programming with R, econometric modeling and a little about data science and machine learning . So I’m going to use this publication as a starting point, and start discussing texts and examples applied to financial risks.