кредитный риск(Credit risk refers to the risk that a borrower will default on any type of debt by failing to make payments which it is obligated to do.[1] The risk is primarily that of the lender and include lost principal and interest, disruption to cash flows, and increased collection costs. wiki Alexander Demidov)
прямой кредитный риск(англ. термин взят из: Martin Cihak, Heiko Hesse. Islamic Banks and Financial Stability: An Empirical Analysis // IMF Working Paper. – No. 08/16 Alex_Odeychuk)