Public Credit Registries as a Tool for Bank Regulation and Supervision

This paper is about the importance of the information in Public Credit Registries (PCRs) for supporting and improving banking sector regulation and supervision, particularly in the light of the new approach embodied in Basel III. Against the backdr...

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Bibliographic Details
Main Authors:	Girault, Matias Gutierrez, Hwang, Jane
Format:	Policy Research Working Paper
Language:	English
Published:	2012
Subjects:	ACCESS TO CREDIT ACCESS TO FINANCE ACCOUNTING ADVERSE SELECTION AMORTIZATIONS AMOUNT OF CREDITS ARBITRAGE ASSET BACKED SECURITIES ASSET QUALITY ASYMMETRIC INFORMATION AVAILABILITY OF CREDIT BACKED SECURITIES BACKED SECURITY BALANCE SHEET BANK BORROWERS BANK CAPITAL BANK CREDIT BANK CREDIT CARDS BANK CREDITORS BANK EXPOSURE BANK FAILURES BANK FOR INTERNATIONAL SETTLEMENTS BANK LOAN BANK LOANS BANK MONITORING BANK OF ENGLAND BANK OF SPAIN BANK PORTFOLIO BANK PORTFOLIOS BANK REGULATION BANK RUNS BANK SOLVENCY BANK SUPERVISION BANKING CRISIS BANKING INDUSTRY BANKING SECTOR BANKING SUPERVISION BANKING SYSTEM BANKING SYSTEMS BANKS BORROWER BORROWING BUDGETING BUSINESS ACTIVITY BUSINESS CYCLE CAPITAL ADEQUACY CAPITAL REQUIREMENT CAPITAL REQUIREMENTS CAPITAL STANDARDS CASH FLOW CENTRAL BANK CENTRAL BANKING CENTRAL BANKS COLLATERAL COLLATERAL REGISTRIES COLLATERALS COMMERCIAL PAPERS CONNECTED LENDING CONSUMER PROTECTION CREDIT BUREAU CREDIT BUREAUS CREDIT COOPERATIVES CREDIT CULTURE CREDIT DECISIONS CREDIT DERIVATIVES CREDIT GROWTH CREDIT INFORMATION CREDIT LINES CREDIT LOSS CREDIT MARKET CREDIT MARKETS CREDIT POLICIES CREDIT PORTFOLIO CREDIT PROVIDERS CREDIT QUALITY CREDIT RATING CREDIT RATING AGENCIES CREDIT REGISTRIES CREDIT REGISTRY CREDIT REPORTING CREDIT REPORTING SYSTEMS CREDIT REPORTS CREDIT RISK CREDIT RISK EXPOSURE CREDIT RISK MANAGEMENT CREDIT SCORING CREDIT SCORING MODELS CREDIT SUPERVISION CREDIT SYSTEM CREDITOR CREDITORS CREDITS CREDITWORTHINESS CURRENCY CURRENCY RISK DEBT DEBT OBLIGATION DEBT OBLIGATIONS DEFAULT RATE DEFAULT RISK DELINQUENCY RATE DELINQUENCY RATES DEPOSITORS DEPOSITS DERIVATIVE DEVELOPMENT BANK EARNINGS ECONOMIC GROWTH ECONOMIC POLICY ECONOMIC RISK ECONOMICS EMERGING MARKETS EXTERNALITIES FAMILIES FEDERAL RESERVE FEDERAL RESERVE SYSTEM FINANCIAL COLLATERAL FINANCIAL CRISES FINANCIAL CRISIS FINANCIAL DISTRESS FINANCIAL INNOVATION FINANCIAL INNOVATIONS FINANCIAL INSTITUTION FINANCIAL INSTITUTIONS FINANCIAL INTERMEDIARIES FINANCIAL MARKETS FINANCIAL PERFORMANCE FINANCIAL PRODUCTS FINANCIAL RATIO FINANCIAL REGULATION FINANCIAL SERVICES FINANCIAL STABILITY FINANCIAL STRESS FINANCIAL SYSTEM FINANCIAL SYSTEMS FORMS OF CREDIT GUARANTOR GUARANTORS HOUSEHOLDS HOUSING ID INDEBTEDNESS INFORMATION ON BORROWERS INFORMATION REQUIREMENTS INFORMATION SHARING INTEREST RATE INTEREST RATES INTERNATIONAL BANK INTERNATIONAL BANKING INTERNATIONAL CAPITAL INTERNATIONAL FINANCIAL INSTITUTIONS LENDERS LENDING POLICIES LINES OF CREDIT LIQUIDITY LOAN LOAN DATA LOAN DEFAULT LOAN LOSS PROVISIONS LOAN PORTFOLIO LOAN PORTFOLIO QUALITY LOAN PORTFOLIOS LOAN REPAYMENT MACROECONOMIC STABILITY MACROECONOMIC VARIABLES MARKET RISK MATURITIES MATURITY MICROCREDIT MICROFINANCE MICROFINANCE INSTITUTIONS MINIMUM CAPITAL REQUIREMENTS MORAL HAZARD MORTGAGE OPERATIONAL RISK OUTPUT LOSSES OUTSTANDING DEBT PAYMENT SYSTEMS PORTFOLIO MANAGEMENT PRESENT VALUE PRIVATE CREDIT PROBABILITY OF DEFAULT PROBLEM BANKS PROBLEM LOANS PRUDENTIAL REGULATION PUBLIC CREDIT PUBLIC POLICY RATING AGENCIES RATING SYSTEMS REAL ESTATE REAL SECTOR REGULATORY FRAMEWORK REGULATORY FRAMEWORKS REGULATORY OVERSIGHT REGULATORY POLICY REGULATORY REPORTS RELATIONSHIP BANKING REPAYMENT REPAYMENT CAPACITY RESERVES RESIDENTIAL MORTGAGES RETURNS RISK MANAGEMENT POLICIES RISK MANAGEMENT TOOLS RISK MEASUREMENT RISK MITIGATION RISK OF BANK FAILURE RISK PROFILE RISK TAKING RISK WEIGHTED ASSETS SAVINGS SECURITIZATION SOLVENCY STOCKS SUBSIDIARY SUPERVISORY AUTHORITIES SUPERVISORY FRAMEWORK TERM CREDITS TRADING TRANCHES TRANSPARENCY UNDERWRITERS UNEMPLOYMENT VALUATIONS
Online Access:	http://hdl.handle.net/10986/3972

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http://hdl.handle.net/10986/3972

Public Credit Registries as a Tool for Bank Regulation and Supervision

Internet

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