BANKTHINK

RISK DOCTOR

Regulators Choke Off Good Loans in Zeal to Prevent Bad Ones

Print
Email
Reprints
Comments (2)
Twitter
LinkedIn
Facebook
Google+

JOIN THE DISCUSSION

(2) Comments

SEE MORE IN

RELATED TAGS

Legal Bills Pile Up at Banks
Each quarter banks report their worst-case estimates of costs tied to lawsuits and regulatory probes. Some banks reported lower figures in recent quarters, but others are braced to spend more to resolve legacy issues. New legal threats loom, too.

(Image: Fotolia)

Comments (2)
Mr. Rossi hit the nail on the head. Very well written and factual. He mentions in his article the 3 C's ( credit, capacity and collateral)What we are missing is the 4th C, COMMON SENSE, which doesn't seemed to exist anymore.
Posted by mtgbk | Thursday, February 07 2013 at 2:38PM ET
Very interesting observations. Having tackled the issue of incorporating Type I and Type II errors in the cut off definition of a hybrid decision model (socrecard and CPRs) I can confirm that it is state of the art to include these parameters on the way that you expand you business. NIM, LGD ratios and key statistics of the scoring models should be combined per product line (credit cards, consumer and mortgage loans).
Posted by kalpouzanis.v | Tuesday, March 05 2013 at 8:21AM ET
Add Your Comments:
Not Registered?
You must be registered to post a comment. Click here to register.
Already registered? Log in here
Please note you must now log in with your email address and password.
Marketplace
Fiserv is a leading global provider of information management and electronic commerce systems for the financial services industry.
Learn More
Informa Research Services is the premier provider of competitive intelligence, mystery shopping, and compliance testing services to the financial industry.
Learn More
CSC is a leader in private-label, third-party loan servicing with 30+ years of proven experience in delivering effective, cost-effective solutions.
Learn More
Already a subscriber? Log in here
Please note you must now log in with your email address and password.