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Financial Responsibility
Source: Encyclopedia of Banking & Finance (9h Edition) by Charles J Woelfel
(We recommend this as work of authority.)

The ability of a borrower or prospective borrower to pay his debts based on his wealth or property; a term used among bank credit people to indicate the financial worth (i.e., the conservatively appraised net assets) of a credit risk.  Financial responsibility is measured by the PROPERTY RISK.

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