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New Definition of Higher-Risk Gonsumer Loans and Securities... formerly known as Subprime

机译:高风险政府贷款和证券的新定义...以前称为次贷

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摘要

In February 2011, the FDIC published a new method for assessing higher-risk loans at large banks with more than $10 billion in assets. The FDIC's purpose for the new method is to redefine how risk is calculated for a large lender's FDIC Deposit Insurance Assessment. As a result of extensive feedback from the industry, the FDIC issued a series of revisions to the original rule incorporated in a Notice of Proposed Rulemaking (NPR) initiated in March 2012. In October 2012 the FDIC finalized the rule and it became effective in April 2013. In a paper titled "New Definition of Higher-Risk Consumer Loans and Securities... formerly known as Sub-prime," VantageScore Solutions explores the new rule and how it can impact risk managers from major lending institutions.
机译:2011年2月,FDIC公布了一种评估资产超过100亿美元的大型银行的高风险贷款的新方法。 FDIC采用这种新方法的目的是重新定义大型贷方FDIC存款保险评估的风险计算方式。由于业界的广泛反馈,FDIC对原始规则进行了一系列修订,并将其纳入2012年3月启动的拟议规则制定通知(NPR)中。2012年10月,FDIC最终确定了该规则,并于4月生效。 2013年。在题为“高风险消费贷款和证券的新定义...……以前称为次贷”的论文中,VantageScore Solutions探索了新规则及其对主要贷款机构的风险管理者的影响。

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  • 来源
    《ABA Banking Journal》 |2013年第6期|50-50|共1页
  • 作者

    Sarah Davies;

  • 作者单位

    Senior Vice President, Analytics, Product Management and Research VantageScore Solutions, LLC;

  • 收录信息
  • 原文格式 PDF
  • 正文语种 eng
  • 中图分类
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