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Risk Management In Credit Institutions - New Trends

Author

Listed:
  • Liliana-Aurora CONSTANTINESCU

    ("Dimitrie Cantemir" Christian University, Brasov, Romania)

  • Camelia STEFANESCU

    ("Spiru Haret" University, Brasov, Romania)

Abstract

The new Basel II enhancements cover all three pillars and they refer mainly to more strict rules and higher capital allocation for resecuritization and liquidity facilities, extension of prudent valuation guidance to the banking book, disclosure of liquidity information, more complex stress testing models, reputational risk coverage, conducting own credit analysis, more detailed disclosures especially trading book quantitative disclosures. In a very dynamic and innovative market, risk coverage is one of the keys for success and survival. Therefore, each institution should invest in both human capital and IT system in order to have a complex and advanced risk monitoring system, to be able to implement fast and with transparency the newest risk management regulation, to anticipate the risks and mitigate them.

Suggested Citation

  • Liliana-Aurora CONSTANTINESCU & Camelia STEFANESCU, 2010. "Risk Management In Credit Institutions - New Trends," Review of General Management, Spiru Haret University, Faculty of Management Brasov, vol. 12(2), pages 51-58, October.
    • Handle: RePEc:fmb:journl:v:12:y:2010:i:2:p:51-58
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    Citations

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    Cited by:

    1. Constantinescu Liliana Aurora & Mihai Carmina Elena, 2019. "Binary Logistic Regression Analysis: The Indicators Underlying the Granting of a High Value Personal Loan," Academic Journal of Economic Studies, Faculty of Finance, Banking and Accountancy Bucharest,"Dimitrie Cantemir" Christian University Bucharest, vol. 5(2), pages 193-200, June.

    More about this item

    Keywords

    banks; Basel II; risk management; market discipline;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G32 - Financial Economics - - Corporate Finance and Governance - - - Financing Policy; Financial Risk and Risk Management; Capital and Ownership Structure; Value of Firms; Goodwill

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