credit risk. Probability of loss from a debtor's default. In banking, credit risk is a major factor in determination of interest rate on a loan: longer the term of loan, usually higher the interest rate. Also called credit exposure.
from Wikipedia, the free encyclopedia. An endospore is a dormant, tough, non-reproductive structure produced by a small number of bacteria from the Firmicute family. The primary function of most endospores is to ensure the survival of a bacterium through periods of environmental stress. They are therefore resistant to ultraviolet and gamma radiation, desiccation, lysozyme, temperature, starvation, and chemical disinfectants.
An endospore is an extremely resistant dormant cell structure produced by some bacterial species. If you break down the term endospore, 'endo-' means 'inside' and '-spore' refers to the 'dormant structure,' so the endospore is a structured formed inside the cell.hese bacteria form endospores that are extremely resistant to environmental extremes, chemical degradation, and the effects of time. When conditions improve, the endospores can germinate and rapidly return to normal growth.