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Comptroller of the Currency Survey of Credit Underwriting Practices, 2001

机译：2001年信用承保实务货币调查主计长

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The Office of the Comptroller of the Currency (OCC) conducted its seventh annual Survey of Credit Underwriting Practices during the first quarter of 2001. The purpose of the survey was to identify trends in credit risk within the national banking system. The questionnairebased survey addressed changes in lending standards and credit practices since the previous survey for the most common types of commercial and retail credit offered by national banks. The OCC examiners-in-charge of the 66 largest national banks were asked to respond to the survey based on their firsthand knowledge of the banks they supervise. The survey covered the 12-month period ending March 31, 2001. The term underwriting standards, as used in this report, refers to various requirements, such as collateral requirements, loan maturities, pricing, and covenants, that banks establish to originate and structure loans. Conclusions about the easing or tightening of underwriting standards are based on the observations of OCC examiners concerning changes banks have made to their underwriting standards since the 2000 survey. A conclusion that the underwriting standards for a particular loan category have eased or tightened does not indicate that all the standards for that particular category have been adjusted, but rather that the adjustments made by banks have the net effect of easing or tightening such underwriting criteria. Part I of this report discusses the overall results of the survey for commercial and retail credit. Part II contains the results of the survey by type of loan product.

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