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.
Published on Sep 12, 2012. Endospore Formation. An endospore is a dormant, tough, and non-reproductive structure produced by certain bacteria from the Firmicute phylum. The name endospore is suggestive of a spore or seed-like form (endo means within), but it is not a true spore (i.e. not an offspring).