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.
Endospores are produced by Gram-positive bacteria from the Firmicute phylum that forms when a bacterium produces a thick internal wall tha â¦ t encloses its DNA and part of its cytoplasm.Examples include, but are not limited to, Bacillus and Clostridium.7 people found this useful.ndospores are produced by Gram-positive bacteria from the Firmicute phylum that forms when a bacterium produces a thick internal wall tha â¦ t encloses its DNA and part of its cytoplasm.