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.
C. Function of Endospores. An endospore is not a reproductive structure but rather a resistant, dormant survival form of the organism. Endospores are quite resistant to high temperatures (including boiling), most disinfectants, low energy radiation, drying, etc.. Endospores are dormant alternate life forms produced by a few genera of bacteria. 2. The genus Bacillus (an obligate aerobe often living in the soil) and the genus Clostridium (an obligate anaerobe living in the gastrointestinal tract of animals) produce endospores. 3.