Bank operating credit risk: assessing and controlling credit risk in bank operating services
Saved in:
| Main Author: | |
|---|---|
| Format: | Book |
| Language: | English |
| Published: |
Chicago, Ill. u.a.
Probus
1993
|
| Subjects: | |
| Online Access: | Inhaltsverzeichnis |
| Physical Description: | X, 201 S. |
| ISBN: | 1557383464 |
Staff View
MARC
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Record in the Search Index
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| adam_text | Table of Contents
Preface ix
1 Operating Credit Risk 1
Credit Risk 2
Operational Risk 2
Fraud Risk 3
Systemic Risk 3
Communication Is Key 3
The Regulators 4
Cooperative Industry Initiatives 7
Problems for Smaller Institutions 10
2 Credit Administration 13
The Customer Base 13
Approval and Review Process 16
Prudent Risk Management
versus Aggressive Sales Plans 21
Thresholds for Approval and Review 21
v
vi Table of Contents
3 Stages of Evolution 25
Stage I Informal Control 27
Stage II Periodic Review 27
Stage III Interactive Control 29
4 Electronic Funds Transfer 31
Automated Clearing House Payments 32
ACH Credit Origination 32
Receiving ACH Credits 49
ACH Debit Origination 49
Receiving ACH Debits 66
Wire Transfer 66
Outgoing Wires 69
Incoming Wires 74
Third Party Access 76
5 Check Services 79
Check Disbursement 80
Controlled Disbursement 81
Payable through Drafts 95
Correspondent Bank Cash Letters 100
Check Collection 103
Outgoing Cash Letters 116
6 Securities Services 117
Receiving Transactions 118
Delivery Transactions 122
Other Exposures 125
Table of Contents vii
7 Risk Based Pricing 129
Federal Reserve Daylight Overdraft Pricing 129
Payment System Concerns 130
Risk Management Costs 131
Product and Customer Risk Components 132
ACH Credit Origination 133
ACH Cash Concentration 143
Controlled Disbursement 148
Product Profitability 152
Market Acceptance 152
8 Summary of the
Risk Management Process 155
Getting Started 157
Five Step Approach 158
Appendix A 165
User s Guide to the Policy Statement
(Federal Reserve Self Assessment Guide)
Appendix B 169
Office of the Comptroller of the Currency
Banking Circular 235
Appendix C 179
Regulation CC
Availability of Funds and Collection of Checks
viii Table of Contents
Appendix D 195
Federal Reserve Risk Reduction Policy
Third Party Access
Index 197
|
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| id | DE-604.BV009954092 |
| illustrated | Not Illustrated |
| indexdate | 2024-07-09T17:43:52Z |
| institution | BVB |
| isbn | 1557383464 |
| language | English |
| oai_aleph_id | oai:aleph.bib-bvb.de:BVB01-006596323 |
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| physical | X, 201 S. |
| publishDate | 1993 |
| publishDateSearch | 1993 |
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| publisher | Probus |
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| spelling | Mayland, Paul F. Verfasser aut Bank operating credit risk assessing and controlling credit risk in bank operating services Paul F. Mayland Chicago, Ill. u.a. Probus 1993 X, 201 S. txt rdacontent n rdamedia nc rdacarrier Credit - Risks - Assessment Bank loans Bank management Risk management HBZ Datenaustausch application/pdf http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=006596323&sequence=000002&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA Inhaltsverzeichnis |
| spellingShingle | Mayland, Paul F. Bank operating credit risk assessing and controlling credit risk in bank operating services Credit - Risks - Assessment Bank loans Bank management Risk management |
| title | Bank operating credit risk assessing and controlling credit risk in bank operating services |
| title_auth | Bank operating credit risk assessing and controlling credit risk in bank operating services |
| title_exact_search | Bank operating credit risk assessing and controlling credit risk in bank operating services |
| title_full | Bank operating credit risk assessing and controlling credit risk in bank operating services Paul F. Mayland |
| title_fullStr | Bank operating credit risk assessing and controlling credit risk in bank operating services Paul F. Mayland |
| title_full_unstemmed | Bank operating credit risk assessing and controlling credit risk in bank operating services Paul F. Mayland |
| title_short | Bank operating credit risk |
| title_sort | bank operating credit risk assessing and controlling credit risk in bank operating services |
| title_sub | assessing and controlling credit risk in bank operating services |
| topic | Credit - Risks - Assessment Bank loans Bank management Risk management |
| topic_facet | Credit - Risks - Assessment Bank loans Bank management Risk management |
| url | http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=006596323&sequence=000002&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA |
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