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.
Like other members of the genus Bacillus, B. cereus can produce protective endospores. An endospore is a dormant, tough, and non-reproductive structure produced by certain bacteria from the Firmicute phylum.They are typically located at cells' centre and contain hydrophobic appendages.verview: Bacillus cereus is a Gram-positive, spore-forming, rod-shaped, facultative anaerobic bacterium belonging to the Bacillaceae family of the Firmicutes (Figure 1).