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市場調查報告書

責任融資:變化的法規環境與業界實踐

Insight Report: Responsible Lending - Changing Regulatory Environment and Industry Practices

出版商 Timetric 商品編碼 298620
出版日期 內容資訊 英文 41 Pages
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責任融資:變化的法規環境與業界實踐 Insight Report: Responsible Lending - Changing Regulatory Environment and Industry Practices
出版日期: 2014年03月28日 內容資訊: 英文 41 Pages
簡介

本報告提供零售銀行產業為進行公平且具有責任融資的法規環境調查分析,彙整市場趨勢,責任融資的主要推動因素,消費者保護的法規(各地區),市場魅力和風險,責任融資的成功案例相關驗證,為您概述為以下內容。

第1章 摘要整理

第2章 全球零售銀行的責任融資的實行

  • 背景
  • 主要推動因素
  • 問題點與課題

第3章 責任融資的法規概要(各地區)

  • 南北美洲
  • 歐洲
  • 亞太地區
  • 中東·非洲

第4章 市場魅力和機會分析

  • 高成長·低風險融資市場
  • 高成長·高風險融資市場
  • 低成長·高風險融資市場
  • 低成長·低風險融資市場

第5章 責任融資的實行

  • Malaysia Central Bank:降低家計債務
  • JP Morgan Chase:不遵守的懲罰條例
  • Sberbank:汽車貸款範例
  • SIDBI:小額信貸發展順利
  • Wells Fargo:房屋貸款客戶用線上介面

第6章 附錄

圖表

目錄
Product Code: VR1034MR

The report outlines the changing regulatory environment to practice fair and responsible lending in the retail banking industry:

  • It provides a global snapshot of the lending dynamics across regions in the lending market.
  • It provides insights into the key factors driving the stringent implementation of responsible lending and consumer protection regulations across various regions.
  • It provides analytical insights into global lending markets analyzing their attractiveness and risks involved.
  • It provides case examples highlighting the successful implementation of responsible lending practices in key markets.

Summary

Governments and regulatory bodies across the world have enforced numerous measures to curb irresponsible lending practices by banks and other credit institutions. These bodies have also taken initiatives to create consumer awareness about prudent borrowing to avoid excess debt. Excessive fees and interest rates on loans, lack of disclosure of products' terms and conditions, and deceptive debt-collection practices by banks and credit institutions contributed significantly to the financial crisis in the US and other developed economies in 2008-2009. The phenomenon of responsible lending has assumed increased urgency since the global financial crisis, and has become a priority for governments and other regulators in many countries which are increasingly concerned about the consequences of irresponsible practices in the financial sector, particularly in banking.

The US was the country most affected by the financial crisis, and was at the forefront of enforcing responsible lending practices in the banking industry to restore consumer confidence in, and stability to, the industry. In this regard, the government and regulators have implemented several regulations, including the Credit Card Act 2009, the Dodd-Frank Wall Street Reform (widely known as Dodd-Frank) and the Consumer Protection Act in 2010, as well as the Truth in Lending Act, 2010 Regulation Z for property loans. The European Banking Authority, along with a number of European economies such as the UK, Germany and Poland, have also enforced several regulations. Banks and credit institutions are now required to provide customers with understandable information about the risks and benefits of credit products so they can make informed decisions and protect themselves from illicit practices.

Scope

  • This report highlights the key regulations enforced by regulatory authorities across the world to curb the after-effects of the global financial crisis.
  • The report gives an insight into high-growth lending markets where risk of arrears or default is low.
  • The report also uses case studies to illustrate the successful implementation of responsible lending practices.

Reasons To Buy

  • Gain insights into different responsible lending practices adopted by banks and credit institutions across the world.
  • Gain insights into factors driving the implementation of responsible lending regulations.
  • Gain regional insights into the development of lending market after the enforcement of responsible lending regulations.

Table of Contents

1. Executive Summary

2. Responsible Lending Practices in Global Retail Banking

  • 2.1. Background
  • 2.2. Key Drivers
  • 2.3. Issues and Challenges

3. Regional Overview of Responsible Lending Regulation

  • 3.1. The Americas
    • 3.1.1. The US
    • 3.1.2. Canada
    • 3.1.3. Mexico
  • 3.2. Europe
    • 3.2.1. European Regulations
    • 3.2.2. The UK
    • 3.2.3. Germany
  • 3.3. Asia-Pacific
    • 3.3.1. Australia
    • 3.3.2. New Zealand
    • 3.3.3. Singapore
    • 3.3.4. Malaysia
    • 3.3.5. India
  • 3.4. The Middle East and Africa
    • 3.4.1. Saudi Arabia
    • 3.4.2. South Africa

4. Market Attractiveness and Opportunity Analysis

  • 4.1. High-Growth and Low-Risk Lending Markets
  • 4.2. High-Growth and High-Risk Lending Markets
  • 4.3. Low-Growth and High-Risk Lending Markets
  • 4.4. Low-Growth and Low-Risk Lending Markets

5. Responsible Lending Practices

  • 5.1. Malaysia Central Bank's Responsible Lending to Curb Household Debt
  • 5.2. JP Morgan Chase Penalized for Non-Adherence to Responsible Lending
  • 5.3. Sberbank of Russia's Responsible Lending Practices for Vehicle Loans
  • 5.4. SIDBI's Responsible Lending Initiatives Driving Growth in Indian Micro-Finance
  • 5.5. Wells Fargo's Online Interface for Home Loan Clients

6. Appendix

  • 6.1. Methodology
  • 6.2. Contact Timetric
  • 6.3. About Timetric
  • 6.4. Timetric's Services
  • 6.5. Definitions
  • 6.6. Disclaimer

List of Tables

  • Table 1: Lending Dynamics Across Regions
  • Table 2: Key Definitions

List of Figures

  • Figure 1: Levels of Regulatory Enforcement in Key Regions
  • Figure 2: Market Attractiveness and Risk Assessment Index
  • Figure 3: Trends in High-Growth and High-Risk Lending Markets, 2008-2012
  • Figure 4: Trends in High-Growth and High-Risk Lending Markets, 2008-2012
  • Figure 5: Trends in Low-Growth and High-Risk Lending Markets, 2008-2012
  • Figure 6: Trends in Low-Growth and Low-Risk Lending Markets, 2008-2012
  • Figure 7: Malaysian Household Debt as a Percentage of GDP (%), 2008-2013
  • Figure 8: Non-Performing Loans to Total Gross Loan (%), 2008-2012
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