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Measuring Provisions for Collateralized Retail Lending

In: The Banking Sector in Hong Kong

Author

Listed:
  • Cho-Hoi Hui
  • Chi-Fai Lo
  • Eric Tak-Chuen Wong
  • Po-Kong Man

Abstract

While banks have faced difficulties over the years for a multitude of reasons, the major cause of serious banking problems continues to be related directly to lax credit standards for borrowers, poor portfolio risk management, or a lack of attention to changes in economic or other circumstances that can lead to a deterioration in the credit standing of a bank’s counterparties. In view of this experience, the Basel Committee on Banking Supervision (2000) sets out the sound practices which specifically address establishing an appropriate credit risk environment and maintaining an appropriate credit administration, measurement and monitoring process. These practices should also be applied in conjunction with a system in place for determining the adequacy of provisions.

Suggested Citation

  • Cho-Hoi Hui & Chi-Fai Lo & Eric Tak-Chuen Wong & Po-Kong Man, 2008. "Measuring Provisions for Collateralized Retail Lending," Palgrave Macmillan Studies in Banking and Financial Institutions, in: Hans Genberg & Cho-Hoi Hui (ed.), The Banking Sector in Hong Kong, chapter 10, pages 214-239, Palgrave Macmillan.
    • Handle: RePEc:pal:pmschp:978-0-230-22737-8_10
    DOI: 10.1057/9780230227378_10
    as

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