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市場調査レポート

責任ある融資:変化する規制環境と業界プラクティス

Insight Report: Responsible Lending - Changing Regulatory Environment and Industry Practices

発行 Timetric 商品コード 298620
出版日 ページ情報 英文 41 Pages
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責任ある融資:変化する規制環境と業界プラクティス Insight Report: Responsible Lending - Changing Regulatory Environment and Industry Practices
出版日: 2014年03月28日 ページ情報: 英文 41 Pages
概要

当レポートでは、リテールバンキング業界における公正かつ責任ある融資を実行するための規制環境について調査分析し、市場動向、責任ある融資の主要促進要因、消費者保護の規制(地域別)、市場の魅力とリスク、責任ある融資の成功例について検証して、概略以下の構成でお届けいたします。

第1章 エグゼクティブサマリー

第2章 世界のリテールバンキングにおける責任ある融資の実行

  • 背景
  • 主要促進要因
  • 問題点と課題

第3章 責任ある融資の規制の概要(地域別)

  • 南北アメリカ
  • 欧州
  • アジア太平洋地域
  • 中東・アフリカ

第4章 市場の魅力と機会分析

  • 高成長・低リスク融資市場
  • 高成長・高リスク融資市場
  • 低成長・高リスク融資市場
  • 低成長・低リスク融資市場

第5章 責任ある融資の実行

  • Malaysia Central Bank:家計債務を抑制
  • JP Morgan Chase:非順守で罰則
  • Sberbank:自動車ローンの例
  • SIDBI:マイクロファインスが好調
  • Wells Fargo:住宅ローン顧客用オンラインインターフェース

第6章 付録

図表

目次
Product Code: VR1034MR

The report outlines the changing regulatory environment to practice fair and responsible lending in the retail banking industry:

  • It provides a global snapshot of the lending dynamics across regions in the lending market.
  • It provides insights into the key factors driving the stringent implementation of responsible lending and consumer protection regulations across various regions.
  • It provides analytical insights into global lending markets analyzing their attractiveness and risks involved.
  • It provides case examples highlighting the successful implementation of responsible lending practices in key markets.

Summary

Governments and regulatory bodies across the world have enforced numerous measures to curb irresponsible lending practices by banks and other credit institutions. These bodies have also taken initiatives to create consumer awareness about prudent borrowing to avoid excess debt. Excessive fees and interest rates on loans, lack of disclosure of products' terms and conditions, and deceptive debt-collection practices by banks and credit institutions contributed significantly to the financial crisis in the US and other developed economies in 2008-2009. The phenomenon of responsible lending has assumed increased urgency since the global financial crisis, and has become a priority for governments and other regulators in many countries which are increasingly concerned about the consequences of irresponsible practices in the financial sector, particularly in banking.

The US was the country most affected by the financial crisis, and was at the forefront of enforcing responsible lending practices in the banking industry to restore consumer confidence in, and stability to, the industry. In this regard, the government and regulators have implemented several regulations, including the Credit Card Act 2009, the Dodd-Frank Wall Street Reform (widely known as Dodd-Frank) and the Consumer Protection Act in 2010, as well as the Truth in Lending Act, 2010 Regulation Z for property loans. The European Banking Authority, along with a number of European economies such as the UK, Germany and Poland, have also enforced several regulations. Banks and credit institutions are now required to provide customers with understandable information about the risks and benefits of credit products so they can make informed decisions and protect themselves from illicit practices.

Scope

  • This report highlights the key regulations enforced by regulatory authorities across the world to curb the after-effects of the global financial crisis.
  • The report gives an insight into high-growth lending markets where risk of arrears or default is low.
  • The report also uses case studies to illustrate the successful implementation of responsible lending practices.

Reasons To Buy

  • Gain insights into different responsible lending practices adopted by banks and credit institutions across the world.
  • Gain insights into factors driving the implementation of responsible lending regulations.
  • Gain regional insights into the development of lending market after the enforcement of responsible lending regulations.

Table of Contents

1. Executive Summary

2. Responsible Lending Practices in Global Retail Banking

  • 2.1. Background
  • 2.2. Key Drivers
  • 2.3. Issues and Challenges

3. Regional Overview of Responsible Lending Regulation

  • 3.1. The Americas
    • 3.1.1. The US
    • 3.1.2. Canada
    • 3.1.3. Mexico
  • 3.2. Europe
    • 3.2.1. European Regulations
    • 3.2.2. The UK
    • 3.2.3. Germany
  • 3.3. Asia-Pacific
    • 3.3.1. Australia
    • 3.3.2. New Zealand
    • 3.3.3. Singapore
    • 3.3.4. Malaysia
    • 3.3.5. India
  • 3.4. The Middle East and Africa
    • 3.4.1. Saudi Arabia
    • 3.4.2. South Africa

4. Market Attractiveness and Opportunity Analysis

  • 4.1. High-Growth and Low-Risk Lending Markets
  • 4.2. High-Growth and High-Risk Lending Markets
  • 4.3. Low-Growth and High-Risk Lending Markets
  • 4.4. Low-Growth and Low-Risk Lending Markets

5. Responsible Lending Practices

  • 5.1. Malaysia Central Bank's Responsible Lending to Curb Household Debt
  • 5.2. JP Morgan Chase Penalized for Non-Adherence to Responsible Lending
  • 5.3. Sberbank of Russia's Responsible Lending Practices for Vehicle Loans
  • 5.4. SIDBI's Responsible Lending Initiatives Driving Growth in Indian Micro-Finance
  • 5.5. Wells Fargo's Online Interface for Home Loan Clients

6. Appendix

  • 6.1. Methodology
  • 6.2. Contact Timetric
  • 6.3. About Timetric
  • 6.4. Timetric's Services
  • 6.5. Definitions
  • 6.6. Disclaimer

List of Tables

  • Table 1: Lending Dynamics Across Regions
  • Table 2: Key Definitions

List of Figures

  • Figure 1: Levels of Regulatory Enforcement in Key Regions
  • Figure 2: Market Attractiveness and Risk Assessment Index
  • Figure 3: Trends in High-Growth and High-Risk Lending Markets, 2008-2012
  • Figure 4: Trends in High-Growth and High-Risk Lending Markets, 2008-2012
  • Figure 5: Trends in Low-Growth and High-Risk Lending Markets, 2008-2012
  • Figure 6: Trends in Low-Growth and Low-Risk Lending Markets, 2008-2012
  • Figure 7: Malaysian Household Debt as a Percentage of GDP (%), 2008-2013
  • Figure 8: Non-Performing Loans to Total Gross Loan (%), 2008-2012
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