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Consumer Credit: Risky Business?

Product Type: Market Research Report
Published by: TowerGroup
Published: August 2002
Product Code: R301-0231
Description
The interest in enterprise-wide identification and control of operational risk engendered by early versions of the Basel II guidelines on capital reserves for financial services institutions has not abated, even with the delay in deployment. Regardless of the endless debate on appropriate capital, expected versus unexpected losses, and how to measure risk-one thing appears certain, regulators plan to concentrate on credit-related operational and transactional risks when reviewing the overall technology health of an institution.
Table of Contents
Highlights

Introduction

Background

OCC: On a Mission

Basel II: Adding Spice to the Credit Process

Focus on Credit and Operations

Industry Spending

Retail Credit Risk Mitigation

Improving Decisions: It’s What’s Up Front That Counts

Managing the Risk, Longer Term

Basic Features and Functionality

Advanced Functionality

Presence of Stand-Alone Collection Systems in US Banks

Operational and Transactional Risk

So What Is Operational Risk?

Processing Issues in Retail Lending

Current Technology Can Be Drafted to Help

Failure to Comply Can Cross All Processing Segments and Systems

Reputation Risk

Operational Risk-Fraud

Conclusion

Ordering and More Information
Price and Delivery Options


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