Barreras a la sofisticación
Gestión de carteras de crédito
Europa está actualmente en la última fase preparatoria para la implementación de Basilea II. Los bancos han realizado fuertes inversiones en infraestructura para acatar el nuevo acuerdo de capital avanzado. Los departamentos de riesgo de crédito son, discutiblemente, el centro de atención, pues las instituciones tienen que hacer frente al dilema de o bien centrar sus esfuerzos en el método del proceso interno de autoevaluación del capital (IRB) más avanzado o bien comenzar de una base más baja y
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