Abstract: In the business of financial institutions it was always necessary to get up risk management and in time much before the emergence of Information Systems. There was no idea the banks approval credit to someone without assessing how much risk they face, and whether they will be able to collect receivables. The development of information technology itself in individual periods was accelerated by the need for accurate and timely calculations by reducing risk. Financial institutions (banks, insurance companies, etc.) funded development and the improvement of information systems and some of the first systems are developed just for these needs.