Subprime

Credit funds: Behind the rhetoric

As fund after fund succumbs to emergency measures to halt redemptions, shore up funding or sell off structured credit assets, the terms used to describe them are too often blurred and confused.

Subprime crisis shows why firms need ORM

It's hard to not be a bit worried by the subprime crisis and the spin-off events that have cascaded through the financial markets over the past few weeks. And it is ironic that the crisis kicked off in the US, where regulators have made such an unholy…

Bringing down the house

There is evidence to support the claim that the subprime mortgage crisis in the US may have had its roots in operational risk problems. But just what caused the crisis, and could it have been averted if the firms involved had robust op risk frameworks in…

A flawed structure

Rising default rates in the US subprime mortgage market have caused serious difficulties for lenders, with some filing for bankruptcy. Regulators have demanded a tightening of underwriting standards, but bankers say other factors were also at play.

Mind the gap

UK mortgage lenders are grappling with Basel II. But there are still concerns about a credit risk management gap between the large and small lenders.

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