For the past 26 years I have been involved in domestic and overseas financial and economic research, market analysis,asset-liability management, and credit risk management.
The Bank saw progress regarding the establishment of credit risk management procedures. More financial institutions had implemented and sophisticated credit rating systems, and started to quantify credit risk..
Credit Risk Management| ORIX Group We define creditrisk as uncertainty regarding future recovery of investments caused by fluctuations in cash flow from debtors and investees.
For banks, securities firms, asset management companies and other institutional investors that buy and sell bonds, ratings are essential information for many activities,including investment strategy decisions and credit risk management.
To prevent such distortions and risks from building up,commercial banks and financial supervisory authorities need to enhance their credit risk management capacity.
The Basel Committee on Banking Supervision supports this method, arguing that it improves the transparency of financial institution management andstrengthens credit risk management capacities.
Banks regularly employ credit-risk management processes to monitor and assess credit portfolios, to make certain estimates, and to understand their risk position and value of assets at any given time.
With respect to credit risk management, there was considerable progress at most financial institutions, including small and medium-sized institutions, in terms of the adoption of self-assessment and establishment of risk control frameworks including internal credit rating systems.
In order to contain credit risk with respect to domestic lending business, financial institutions should strengthen measures to help ailing borrowing firms improve their business conditions andto appropriately implement credit risk management based on the assessment of borrowers' capacity for self-reconstruction.
Mr William J McDonough, Chairman of the Basel Committee and President and Chief Executive Officer of the Federal Reserve Bank of New York,said:"We know from experience that weak credit risk management practices and poor credit quality can pose a serious threat to the stability of banks and banking systems.
We design services that offer critical operational and credit risk management tools to the industry: triResolve for portfolio reconciliation, collateral management and reporting validation, triReduce for multilateral portfolio compression, triBalance for counterparty risk rebalancing and triCalculate for XVA risk analytics.
In this regard, bearing in mind any future changes in the macroeconomic environment, financial institutions that have actively extended loans to middle-risk firms need to set appropriate interest rates reflecting the risks involved,and improve the effectiveness of credit risk management, including examining whether their loan-loss provisions are appropriate.
信用リスク管理について。
Credit risk management.
内部統制、信用リスク管理等。
Internal controls, credit risk management, etc.
信用リスク管理能力が向上する。
Credit risk management is improved.
信用リスク管理|信用格付関連|格付投資情報センター。
Credit Risk Management|Credit Rating Service|Rating and Investment Information, Inc.
信用リスク信用リスク管理は全般に改善方向にある。
Credit risk Financial institutions' credit risk management has generally been improving.
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