The Credit And Credit Risk Management During The Crisis
AbstractConsidering the importance of credit risk management to ensure the financial system stability, the paper presents financial and real sector interaction highlighting that credit growth based on increase of credit demand, of income, of assets prices, of currency availability, the interest rate differential between countries and relaxation of regulatory framework, leaves banks more vulnerable to subsequent downturn in economic activity and asset prices. It also outlines the steps taken or those I think that should be implemented in terms of improving credit risk management, implementation of regulatory measures to limit credit expansion, enforcing the regulatory requirements for covering the expected and unexpected losses, introduction of new surveillance tools aimed to lead to a more resilient financial system.
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Bibliographic InfoArticle provided by Constantin Brancusi University, Faculty of Economics in its journal Constatin Brancusi University of Targu Jiu Annals - Economy Series.
Volume (Year): 1 (2012)
Issue (Month): (March)
financial stability; prudential surveillance; credit risk; equity; provision;
Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:
- Paolo Angelini & Laurent Clerc & Vasco Cúrdia & Leonardo Gambacorta & Andrea Gerali & Alberto Locarno & Roberto Motto & Werner Roeger & Skander Van den Heuvel & Jan Vlcek, 2011.
"BASEL III: long-term impact on economic performance and fluctuations,"
485, Federal Reserve Bank of New York.
- Paolo Angelini & Laurent Clerc & Vasco CÃºrdia & Leonardo Gambacorta & Andrea Gerali & Alberto Locarno & Roberto Motto & Werner Roeger & Skander Van den Heuvel & Jan Vlcek, 2011. "Basel III: Long-term impact on economic performance and fluctuations," Questioni di Economia e Finanza (Occasional Papers) 87, Bank of Italy, Economic Research and International Relations Area.
- Angelini, P. & Clerc, L. & Cúrdia, V. & Gambacorta, L. & Gerali, A. & Locarno, A. & Motto, R. & Roeger, W. & Van den Heuvel, S. & Vlcek, J., 2011. "BASEL III: Long-term impact on economic performance and fluctuations," Working papers 323, Banque de France.
- Paolo Angelini & Laurent Clerc & Vasco Cúrdia & Leonardo Gambacorta & Andrea Gerali & Alberto Locarno & Roberto Motto & Werner Roeger & Skander Van den Heuvel & Jan Vlcek, 2011. "BASEL III: Long-term impact on economic performance and fluctuations," BIS Working Papers 338, Bank for International Settlements.
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