Publication:
Public Credit Registries as a Tool for Bank Regulation and Supervision

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dc.contributor.authorGirault, Matias Gutierrez
dc.contributor.authorHwang, Jane
dc.date.accessioned2012-03-19T18:43:06Z
dc.date.available2012-03-19T18:43:06Z
dc.date.issued2010-12-01
dc.description.abstractThis paper is about the importance of the information in Public Credit Registries (PCRs) for supporting and improving banking sector regulation and supervision, particularly in the light of the new approach embodied in Basel III. Against the backdrop of the financial crisis and the existence of information data gaps, the importance of complete, accurate and timely credit information in the financial system is evident. Both in normal times and during crises, authorities need a device that allows them to look at the universe of credits in a detailed and readily way. And more importantly, they need to develop tools that exploit as much as possible the information therein contained. PCR databases contain individual credit information on borrowers and their credits which makes it possible to implement advanced techniques that measure banks' credit risk exposure. It allows optimizing the prudential regulation ensuring that provisioning and capital requirements are properly calibrated to cover expected and unexpected losses respectively. It also permits validating banks' internal rating systems, performing stress tests and informing macroprudential surveillance. In this respect, it is envisioned that the existence of a PCR will be a key factor to enhance the supervision and regulation of the financial system. Furthermore, the extent, accuracy and availability of the information collected by the authorities will determine the usefulness of the PCR as part of their toolkit to monitor the potential vulnerabilities not only on a microprudential level, but also on a macroprudential one.en
dc.identifierhttp://www-wds.worldbank.org/external/default/main?menuPK=64187510&pagePK=64193027&piPK=64187937&theSitePK=523679&menuPK=64187510&searchMenuPK=64187283&siteName=WDS&entityID=000158349_20101201132222
dc.identifier.doi10.1596/1813-9450-5489
dc.identifier.urihttps://hdl.handle.net/10986/3972
dc.languageEnglish
dc.relation.ispartofseriesPolicy Research working paper ; no. WPS 5489
dc.rightsCC BY 3.0 IGO
dc.rights.holderWorld Bank
dc.rights.urihttp://creativecommons.org/licenses/by/3.0/igo/
dc.subjectACCESS TO CREDIT
dc.subjectACCESS TO FINANCE
dc.subjectACCOUNTING
dc.subjectADVERSE SELECTION
dc.subjectAMORTIZATIONS
dc.subjectAMOUNT OF CREDITS
dc.subjectARBITRAGE
dc.subjectASSET BACKED SECURITIES
dc.subjectASSET QUALITY
dc.subjectASYMMETRIC INFORMATION
dc.subjectAVAILABILITY OF CREDIT
dc.subjectBACKED SECURITIES
dc.subjectBACKED SECURITY
dc.subjectBALANCE SHEET
dc.subjectBANK BORROWERS
dc.subjectBANK CAPITAL
dc.subjectBANK CREDIT
dc.subjectBANK CREDIT CARDS
dc.subjectBANK CREDITORS
dc.subjectBANK EXPOSURE
dc.subjectBANK FAILURES
dc.subjectBANK FOR INTERNATIONAL SETTLEMENTS
dc.subjectBANK LOAN
dc.subjectBANK LOANS
dc.subjectBANK MONITORING
dc.subjectBANK OF ENGLAND
dc.subjectBANK OF SPAIN
dc.subjectBANK PORTFOLIO
dc.subjectBANK PORTFOLIOS
dc.subjectBANK REGULATION
dc.subjectBANK RUNS
dc.subjectBANK SOLVENCY
dc.subjectBANK SUPERVISION
dc.subjectBANKING CRISIS
dc.subjectBANKING INDUSTRY
dc.subjectBANKING SECTOR
dc.subjectBANKING SUPERVISION
dc.subjectBANKING SYSTEM
dc.subjectBANKING SYSTEMS
dc.subjectBANKS
dc.subjectBORROWER
dc.subjectBORROWING
dc.subjectBUDGETING
dc.subjectBUSINESS ACTIVITY
dc.subjectBUSINESS CYCLE
dc.subjectCAPITAL ADEQUACY
dc.subjectCAPITAL REQUIREMENT
dc.subjectCAPITAL REQUIREMENTS
dc.subjectCAPITAL STANDARDS
dc.subjectCASH FLOW
dc.subjectCENTRAL BANK
dc.subjectCENTRAL BANKING
dc.subjectCENTRAL BANKS
dc.subjectCOLLATERAL
dc.subjectCOLLATERAL REGISTRIES
dc.subjectCOLLATERALS
dc.subjectCOMMERCIAL PAPERS
dc.subjectCONNECTED LENDING
dc.subjectCONSUMER PROTECTION
dc.subjectCREDIT BUREAU
dc.subjectCREDIT BUREAUS
dc.subjectCREDIT COOPERATIVES
dc.subjectCREDIT CULTURE
dc.subjectCREDIT DECISIONS
dc.subjectCREDIT DERIVATIVES
dc.subjectCREDIT GROWTH
dc.subjectCREDIT INFORMATION
dc.subjectCREDIT LINES
dc.subjectCREDIT LOSS
dc.subjectCREDIT MARKET
dc.subjectCREDIT MARKETS
dc.subjectCREDIT POLICIES
dc.subjectCREDIT PORTFOLIO
dc.subjectCREDIT PROVIDERS
dc.subjectCREDIT QUALITY
dc.subjectCREDIT RATING
dc.subjectCREDIT RATING AGENCIES
dc.subjectCREDIT REGISTRIES
dc.subjectCREDIT REGISTRY
dc.subjectCREDIT REPORTING
dc.subjectCREDIT REPORTING SYSTEMS
dc.subjectCREDIT REPORTS
dc.subjectCREDIT RISK
dc.subjectCREDIT RISK EXPOSURE
dc.subjectCREDIT RISK MANAGEMENT
dc.subjectCREDIT SCORING
dc.subjectCREDIT SCORING MODELS
dc.subjectCREDIT SUPERVISION
dc.subjectCREDIT SYSTEM
dc.subjectCREDITOR
dc.subjectCREDITORS
dc.subjectCREDITS
dc.subjectCREDITWORTHINESS
dc.subjectCURRENCY
dc.subjectCURRENCY RISK
dc.subjectDEBT
dc.subjectDEBT OBLIGATION
dc.subjectDEBT OBLIGATIONS
dc.subjectDEFAULT RATE
dc.subjectDEFAULT RISK
dc.subjectDELINQUENCY RATE
dc.subjectDELINQUENCY RATES
dc.subjectDEPOSITORS
dc.subjectDEPOSITS
dc.subjectDERIVATIVE
dc.subjectDEVELOPMENT BANK
dc.subjectEARNINGS
dc.subjectECONOMIC GROWTH
dc.subjectECONOMIC POLICY
dc.subjectECONOMIC RISK
dc.subjectECONOMICS
dc.subjectEMERGING MARKETS
dc.subjectEXTERNALITIES
dc.subjectFAMILIES
dc.subjectFEDERAL RESERVE
dc.subjectFEDERAL RESERVE SYSTEM
dc.subjectFINANCIAL COLLATERAL
dc.subjectFINANCIAL CRISES
dc.subjectFINANCIAL CRISIS
dc.subjectFINANCIAL DISTRESS
dc.subjectFINANCIAL INNOVATION
dc.subjectFINANCIAL INNOVATIONS
dc.subjectFINANCIAL INSTITUTION
dc.subjectFINANCIAL INSTITUTIONS
dc.subjectFINANCIAL INTERMEDIARIES
dc.subjectFINANCIAL MARKETS
dc.subjectFINANCIAL PERFORMANCE
dc.subjectFINANCIAL PRODUCTS
dc.subjectFINANCIAL RATIO
dc.subjectFINANCIAL REGULATION
dc.subjectFINANCIAL SERVICES
dc.subjectFINANCIAL STABILITY
dc.subjectFINANCIAL STRESS
dc.subjectFINANCIAL SYSTEM
dc.subjectFINANCIAL SYSTEMS
dc.subjectFORMS OF CREDIT
dc.subjectGUARANTOR
dc.subjectGUARANTORS
dc.subjectHOUSEHOLDS
dc.subjectHOUSING
dc.subjectID
dc.subjectINDEBTEDNESS
dc.subjectINFORMATION ON BORROWERS
dc.subjectINFORMATION REQUIREMENTS
dc.subjectINFORMATION SHARING
dc.subjectINTEREST RATE
dc.subjectINTEREST RATES
dc.subjectINTERNATIONAL BANK
dc.subjectINTERNATIONAL BANKING
dc.subjectINTERNATIONAL CAPITAL
dc.subjectINTERNATIONAL FINANCIAL INSTITUTIONS
dc.subjectLENDERS
dc.subjectLENDING POLICIES
dc.subjectLINES OF CREDIT
dc.subjectLIQUIDITY
dc.subjectLOAN
dc.subjectLOAN DATA
dc.subjectLOAN DEFAULT
dc.subjectLOAN LOSS PROVISIONS
dc.subjectLOAN PORTFOLIO
dc.subjectLOAN PORTFOLIO QUALITY
dc.subjectLOAN PORTFOLIOS
dc.subjectLOAN REPAYMENT
dc.subjectMACROECONOMIC STABILITY
dc.subjectMACROECONOMIC VARIABLES
dc.subjectMARKET RISK
dc.subjectMATURITIES
dc.subjectMATURITY
dc.subjectMICROCREDIT
dc.subjectMICROFINANCE
dc.subjectMICROFINANCE INSTITUTIONS
dc.subjectMINIMUM CAPITAL REQUIREMENTS
dc.subjectMORAL HAZARD
dc.subjectMORTGAGE
dc.subjectOPERATIONAL RISK
dc.subjectOUTPUT LOSSES
dc.subjectOUTSTANDING DEBT
dc.subjectPAYMENT SYSTEMS
dc.subjectPORTFOLIO MANAGEMENT
dc.subjectPRESENT VALUE
dc.subjectPRIVATE CREDIT
dc.subjectPROBABILITY OF DEFAULT
dc.subjectPROBLEM BANKS
dc.subjectPROBLEM LOANS
dc.subjectPRUDENTIAL REGULATION
dc.subjectPUBLIC CREDIT
dc.subjectPUBLIC POLICY
dc.subjectRATING AGENCIES
dc.subjectRATING SYSTEMS
dc.subjectREAL ESTATE
dc.subjectREAL SECTOR
dc.subjectREGULATORY FRAMEWORK
dc.subjectREGULATORY FRAMEWORKS
dc.subjectREGULATORY OVERSIGHT
dc.subjectREGULATORY POLICY
dc.subjectREGULATORY REPORTS
dc.subjectRELATIONSHIP BANKING
dc.subjectREPAYMENT
dc.subjectREPAYMENT CAPACITY
dc.subjectRESERVES
dc.subjectRESIDENTIAL MORTGAGES
dc.subjectRETURNS
dc.subjectRISK MANAGEMENT POLICIES
dc.subjectRISK MANAGEMENT TOOLS
dc.subjectRISK MEASUREMENT
dc.subjectRISK MITIGATION
dc.subjectRISK OF BANK FAILURE
dc.subjectRISK PROFILE
dc.subjectRISK TAKING
dc.subjectRISK WEIGHTED ASSETS
dc.subjectSAVINGS
dc.subjectSECURITIZATION
dc.subjectSOLVENCY
dc.subjectSTOCKS
dc.subjectSUBSIDIARY
dc.subjectSUPERVISORY AUTHORITIES
dc.subjectSUPERVISORY FRAMEWORK
dc.subjectTERM CREDITS
dc.subjectTRADING
dc.subjectTRANCHES
dc.subjectTRANSPARENCY
dc.subjectUNDERWRITERS
dc.subjectUNEMPLOYMENT
dc.subjectVALUATIONS
dc.titlePublic Credit Registries as a Tool for Bank Regulation and Supervisionen
dspace.entity.typePublication
okr.crossref.titlePublic credit registries as a tool for bank regulation and supervision
okr.date.disclosure2010-12-01
okr.date.doiregistration2025-04-10T11:36:56.933564Z
okr.doctypePublications & Research::Policy Research Working Paper
okr.docurlhttp://www-wds.worldbank.org/external/default/main?menuPK=64187510&pagePK=64193027&piPK=64187937&theSitePK=523679&menuPK=64187510&searchMenuPK=64187283&siteName=WDS&entityID=000158349_20101201132222
okr.guid934021468177872103
okr.identifier.doi10.1596/1813-9450-5489
okr.identifier.externaldocumentum000158349_20101201132222
okr.identifier.internaldocumentum13183164
okr.identifier.reportWPS5489
okr.language.supporteden
okr.pdfurlhttp://www-wds.worldbank.org/external/default/WDSContentServer/WDSP/IB/2010/12/01/000158349_20101201132222/Rendered/PDF/WPS5489.pdfen
okr.region.administrativeThe World Region
okr.region.administrativeThe World Region
okr.unitDevelopment Research Group (DECRG)
okr.volume1 of 1
relation.isSeriesOfPublication26e071dc-b0bf-409c-b982-df2970295c87
relation.isSeriesOfPublication.latestForDiscovery26e071dc-b0bf-409c-b982-df2970295c87
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