Securitisation may ease Basel III SME lending concerns

Credit conservation


The Asian Financial Crisis of 1997-98 is still too fresh in the collective memory of regional banks for them to be reckless when it comes to credit risk management. As a result, credit decisions tend to err on the conservative side, although this is not always the case in some command economies such as China where state-owned banks are used for policy purposes.

The pervading conservatism may not be economically the most efficient use of capital, but it did put Asian banks in a strong position to

To continue reading...

You must be signed in to use this feature.

Sign in
You are currently on corporate access.

To use this feature you will need an individual account. If you have one already please sign in.

Sign in.

Alternatively you can request an indvidual account here: