# Default/Insolvency

Default risk is the chance that a person will not be able to make the payments they owe on a debt. This happens when people can't pay back what they borrowed. Lenders and investors take this risk when they offer someone credit.

## Risk Analysis

| Item                    | Weighting (Total of 10) |
| ----------------------- | ----------------------- |
| Is default possible?    | 6                       |
| Is insurance available? | 4                       |

### Is default possible?

* No: 6 points
* Yes: 0 points

### Is insurance available?

* No: 0 points
* Yes: 4 points


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