Risk based capital requirements and commercial mortgage credit risk in Europe: a study by Empirica on behalf of the Association of German Mortgage Banks
Saved in:
| Main Authors: | , |
|---|---|
| Format: | Book |
| Language: | German |
| Published: |
Frankfurt am Main
Knapp
1996
|
| Series: | Schriftenreihe des Verbandes Deutscher Hypothekenbanken
|
| Subjects: | |
| Online Access: | Inhaltsverzeichnis |
| Item Description: | Literaturverz. S. 146 - 149. - Dt. Ausg. u.d.T.: Dübel, Achim: Risikogewichtete Eigenkapitalanforderungen und die Risiken des gewerblichen Hypothekarkredites in Europa Dt. Ausg. u.d.T.: Dübel, Achim: Risikogewichtete Eigenkapital- anforderungen und die Risiken des gewerblichen Hypothekarkredites in Europa |
| Physical Description: | XVI, 159 S. graph. Darst. |
| ISBN: | 3781905845 |
Staff View
MARC
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Record in the Search Index
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| adam_text |
CONTENTS
EXECUTIVE
SUMMARY
.
X
CHAPTER
I:
INTRODUCTION
.
1
CHAPTER
II:
OPTIONS
FOR
BANK
REGULATION
.
3
1.
PRINCIPLE
APPROACHES
AND
PRACTICE
.
3
2.
COSTS
AND
BENEFITS
OF
A
SIMPLE
RULES
APPROACH
.
5
3.
MORTGAGE
LENDING
AND
ASYMMETRIC
INFORMATION
.
6
4.
MORTGAGE
LENDING
STANDARDS
AND
OVERALL
FINANCIAL
STABILITY
.
7
CHAPTER
III:
PROPERTY
PRICE
RISK
AND
MORTGAGE
LENDING
.
9
1.
PROPERTY
PRICE
RISK
-
COMMERCIAL
VS.
RESIDENTIAL
.
9
1.1.
COMMON
DATA
STANDARDS
AND
MISINTERPRETATIONS
.
.
9
1.2.
COMMERCIAL
VS.
RESIDENTIAL
PROPERTY
PRICE
RISK
IN
SELECTED
COUNTRIES
.
14
1.3.
COMMERCIAL
VS.
RESIDENTIAL
PROPERTY
CONSTRUCTION
DATA
AS
AN
APPROXIMATION
.
22
2.
MORTGAGE
LENDING
IN
EUROPE
.
24
3.
PROPERTY
FINANCE
AND
CAPITAL
GEARING
.
29
3.1.
THE
SEGMENTATION
OF
EUROPEAN
PROPERTY
MARKETS
.
.
29
3.2.
THE
SCOPE
FOR
LONG-TERM
COMMERCIAL
PROPERTY
DEBT
.
32
CHAPTER
IV:
COMMERCIAL
MORTGAGE
CREDIT
RISK
.
33
1.
DEFINITION
OF
CREDIT
RISK
.
33
1.1.
THE
CHAIN
OF
RISK
DETERMINANTS
.
33
1.2.
AN
OPERATIONAL
DECOMPOSITION
FOR
THE
DISCUSSION
OF
ARTICLE
11
(4)
SOL
DIR
.
34
1.3.
HYPOTHESES
ON
BORROWER
DEFAULT
RISK
.
35
1.3.1.
DESIGNING
THE
LOAN
CONTRACT
.
36
1.3.2.
SCREENING
OF
BORROWERS
AND
PROPERTY
COLLATERAL
.
37
2.
PREREQUISITES
OF
CREDIT
RISK
ANALYSIS
.
38
2.1.
SELECTING
THE
APPROPRIATE
DATA
.
38
2.2.
SELECTING
THE
APPROPRIATE
DEFAULT
MEASURES
.
39
3.
UNITED
STATES
.
39
3.1.
RESIDENTIAL
MORTGAGE
CREDIT
RISK
.
40
3.2.
COMMERCIAL
MORTGAGE
CREDIT
RISK
.
44
3.3.
COMMERCIAL
MORTGAGE
LENDING
AND
BANKING
CRISIS
.
51
4.
ITALY
.
54
4.1.
MORTGAGE
BANKING
IN
ITALY
.
54
4.2.
AGGREGATE
DATA
ON
RESIDENTIAL
AND
COMMERCIAL
CREDIT
RISK
.
55
5.
UNITED
KINGDOM
.
56
5.1.
RESIDENTIAL
MORTGAGE
CREDIT
RISK
.
56
5.2.
COMMERCIAL
MORTGAGE
CREDIT
RISK
.
59
5.2.1.
BUILDING
SOCIETY
DATA
.
59
5.2.2.
COMMERCIAL
BANKS:
PROPERTY
LENDING
AND
COMMERCIAL
MORTGAGE
CREDIT
RISK
.
60
5.3.
SIMULATION
OF
A
DISAGGREGATE
BANK
PROPERTY
LOAN
BOOK
WITH
IPD
'
S
LONDON
OFFICE
MARKET
DATA
.
67
5.3.1.
INTRODUCTION
.
*
.
67
5.3.2.
AGGREGATE
SIMULATION
.
68
5.3.3.
DISAGGREGATE
CAPITAL
VALUE
ANALYSIS
.
73
5.3.4.
DISAGGREGATE
DEBT
SERVICE
COVERAGE
ANALYSIS
.
75
6.
FRANCE
.
79
6.1.
RESTRICTIONS
OF
CREDIT
RISK
ANALYSIS
IN
FRANCE
.
79
6.2.
STRUCTURE
OF
REAL
ESTATE
LENDING
.
80
6.2.1.
OVERALL
REAL
ESTATE
LENDING
.
80
6.2.2.
MORTGAGE
LENDING
.
81
6.3.
CREDIT
RISK
IN
COMMERCIAL
AND
RESIDENTIAL
MORTGAGE
LENDING
.
83
6.3.1.
REPORTED
DEFAULT
AND
LOSS
FIGURES
.
83
6.3.2.
DEBT
SERVICE
COVERAGE
.
93
6.4.
MEMORANDUM
ITEM:
ON
THE
LEGAL
QUALITY
OF
MORTGAGE
IN
FRANCE
.
94
7.
GERMANY
.
97
7.1.
RECENT
DEVELOPMENT
OF
COMMERCIAL
MORTGAGE
LENDING
.
97
7.2.
COMMERCIAL
AND
RESIDENTIAL
MORTGAGE
CREDIT
RISK
.
99
7.2.1.
VDH
SURVEY
1977-1991
.
100
7.2.2.
SURVEY
OF
THE ZENTRALER
KREDITAUSSCHUR
1988-1993
.
104
7.3.
A
DISAGGREGATE
DATASET
FROM
4
GERMAN
MORTGAGE
BANKS
.
108
7.3.1.
SAMPLE
.
109
7.3.2.
LOAN
CHARACTERISTICS
AND
DEFAULT
-
DESCRIPTIVE
FEATURES
.
110
7.3.3.
RESULTS
OF
THE
ECONOMETRIC
CREDIT
RISK
ANALYSIS
.
114
7.3.4.
CONCLUSIONS
.
118
7.4.
ON
A
PROMINENT
MORTGAGE
DEFAULT
CASE
IN
GERMANY
119
CHAPTER
V:
VALUATION
.
121
1.
EUROPEAN
PROPERTY
VALUATION
TECHNIQUES
.
121
2.
DEFINING
SUSTAINABLE
VALUATION
TECHNIQUES
AS
A
BASIS
FOR
A
LOWER
RISK
WEIGHTING
.
123
3.
THE
EFFECTS
OF
MINIMUM
DISCOUNT
FACTORS
ON
THE
STABILITY
OF
VALUATIONS
OVER
TIME
.
127
CHAPTER
VI:
SUMMARY
AND
CONCLUSIONS
.
131
1.
SUMMARY
OF
RESULTS
.
131
2.
CONCLUSIONS
FOR
RISK
BASED
CAPITAL
REQUIREMENTS
.
134
2.1.
SPECIFICATION
OF
ARTICLE
11
(4)
SOL
DIR
.
135
2.2.
SUPPLEMENTARY
PROVISIONS
.
137
ANNEX
1:
ABBREVIATIONS
.
143
ANNEX
2:
PROPORTIONAL
HAZARDS
METHODOLOGY
.
144
ANNEX
3:
REFERENCES
.
146 |
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| illustrated | Illustrated |
| indexdate | 2025-01-02T09:10:13Z |
| institution | BVB |
| isbn | 3781905845 |
| language | German |
| oai_aleph_id | oai:aleph.bib-bvb.de:BVB01-007555534 |
| oclc_num | 231697648 |
| open_access_boolean | |
| owner | DE-12 DE-188 |
| owner_facet | DE-12 DE-188 |
| physical | XVI, 159 S. graph. Darst. |
| publishDate | 1996 |
| publishDateSearch | 1996 |
| publishDateSort | 1996 |
| publisher | Knapp |
| record_format | marc |
| series2 | Schriftenreihe des Verbandes Deutscher Hypothekenbanken |
| spelling | Dübel, Achim Verfasser aut Risk based capital requirements and commercial mortgage credit risk in Europe a study by Empirica on behalf of the Association of German Mortgage Banks Achim Dübel and Ulrich Pfeiffer. In cooperation with Tony Key ... Frankfurt am Main Knapp 1996 XVI, 159 S. graph. Darst. txt rdacontent n rdamedia nc rdacarrier Schriftenreihe des Verbandes Deutscher Hypothekenbanken Literaturverz. S. 146 - 149. - Dt. Ausg. u.d.T.: Dübel, Achim: Risikogewichtete Eigenkapitalanforderungen und die Risiken des gewerblichen Hypothekarkredites in Europa Dt. Ausg. u.d.T.: Dübel, Achim: Risikogewichtete Eigenkapital- anforderungen und die Risiken des gewerblichen Hypothekarkredites in Europa Europäische Union (DE-588)5098525-5 gnd rswk-swf Kreditrisiko (DE-588)4114309-7 gnd rswk-swf Firmenkundengeschäft (DE-588)4017256-9 gnd rswk-swf Hypothekarkredit (DE-588)4161146-9 gnd rswk-swf Hypothekenbank (DE-588)4161147-0 gnd rswk-swf Risikomanagement (DE-588)4121590-4 gnd rswk-swf Europäische Union (DE-588)5098525-5 b Hypothekenbank (DE-588)4161147-0 s Hypothekarkredit (DE-588)4161146-9 s Firmenkundengeschäft (DE-588)4017256-9 s Kreditrisiko (DE-588)4114309-7 s Risikomanagement (DE-588)4121590-4 s DE-604 Pfeiffer, Ulrich Verfasser aut DNB Datenaustausch application/pdf http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=007555534&sequence=000001&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA Inhaltsverzeichnis |
| spellingShingle | Dübel, Achim Pfeiffer, Ulrich Risk based capital requirements and commercial mortgage credit risk in Europe a study by Empirica on behalf of the Association of German Mortgage Banks Europäische Union (DE-588)5098525-5 gnd Kreditrisiko (DE-588)4114309-7 gnd Firmenkundengeschäft (DE-588)4017256-9 gnd Hypothekarkredit (DE-588)4161146-9 gnd Hypothekenbank (DE-588)4161147-0 gnd Risikomanagement (DE-588)4121590-4 gnd |
| subject_GND | (DE-588)5098525-5 (DE-588)4114309-7 (DE-588)4017256-9 (DE-588)4161146-9 (DE-588)4161147-0 (DE-588)4121590-4 |
| title | Risk based capital requirements and commercial mortgage credit risk in Europe a study by Empirica on behalf of the Association of German Mortgage Banks |
| title_auth | Risk based capital requirements and commercial mortgage credit risk in Europe a study by Empirica on behalf of the Association of German Mortgage Banks |
| title_exact_search | Risk based capital requirements and commercial mortgage credit risk in Europe a study by Empirica on behalf of the Association of German Mortgage Banks |
| title_full | Risk based capital requirements and commercial mortgage credit risk in Europe a study by Empirica on behalf of the Association of German Mortgage Banks Achim Dübel and Ulrich Pfeiffer. In cooperation with Tony Key ... |
| title_fullStr | Risk based capital requirements and commercial mortgage credit risk in Europe a study by Empirica on behalf of the Association of German Mortgage Banks Achim Dübel and Ulrich Pfeiffer. In cooperation with Tony Key ... |
| title_full_unstemmed | Risk based capital requirements and commercial mortgage credit risk in Europe a study by Empirica on behalf of the Association of German Mortgage Banks Achim Dübel and Ulrich Pfeiffer. In cooperation with Tony Key ... |
| title_short | Risk based capital requirements and commercial mortgage credit risk in Europe |
| title_sort | risk based capital requirements and commercial mortgage credit risk in europe a study by empirica on behalf of the association of german mortgage banks |
| title_sub | a study by Empirica on behalf of the Association of German Mortgage Banks |
| topic | Europäische Union (DE-588)5098525-5 gnd Kreditrisiko (DE-588)4114309-7 gnd Firmenkundengeschäft (DE-588)4017256-9 gnd Hypothekarkredit (DE-588)4161146-9 gnd Hypothekenbank (DE-588)4161147-0 gnd Risikomanagement (DE-588)4121590-4 gnd |
| topic_facet | Europäische Union Kreditrisiko Firmenkundengeschäft Hypothekarkredit Hypothekenbank Risikomanagement |
| url | http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=007555534&sequence=000001&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA |
| work_keys_str_mv | AT dubelachim riskbasedcapitalrequirementsandcommercialmortgagecreditriskineuropeastudybyempiricaonbehalfoftheassociationofgermanmortgagebanks AT pfeifferulrich riskbasedcapitalrequirementsandcommercialmortgagecreditriskineuropeastudybyempiricaonbehalfoftheassociationofgermanmortgagebanks |