Prudential standards for the assessment of a mortgage borrower’s credit risk Cover Image

Normy ostrożnościowe oceny ryzyka kredytobiorcy hipotecznego
Prudential standards for the assessment of a mortgage borrower’s credit risk

Author(s): Michał Kruszka, Marcin Wroński
Subject(s): Civil Law, Law on Economics, Financial Markets
Published by: Uniwersytet Adama Mickiewicza
Keywords: supervisory measures; banking; real estate lending;

Summary/Abstract: The recent financial crisis revealed a significant link between the stability of the banking system and real estate lending. The aim of the article is to present the supervisory measures (in the narrow and in the broader sense) employed in banking as factors that can limit the demand for real estate lending. The study covers supervisory measures implemented in the European Economic Area countries. Supervisory instruments restricting the use of real estate as collateral for loans and instruments imposing income requirements on borrowers are discussed. Particular attention has been paid to the link between the priorities of financial market regulators in a given country and the international differentiation of the supervisory measures.

  • Issue Year: 81/2019
  • Issue No: 4
  • Page Range: 205-219
  • Page Count: 15
  • Language: Polish