LOAN SECURITIES WITH CREDIT RISK COVERAGE APPROACH

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RAHNAMAYE ROODPOSHTI FEREYDOON; GHOLAMREZA MANSOUREH

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Journal: INVESTMENT KNOWLEDGE Year:2018 | Volume:7 | Issue:25 Page(s): 83-97

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Information Journal Paper

Title

LOAN SECURITIES WITH CREDIT RISK COVERAGE APPROACH

Author(s)

RAHNAMAYE ROODPOSHTI FEREYDOON | GHOLAMREZA MANSOUREH | Issue Writer Certificate

Keywords

CREDIT RISKQ1

RISK MANAGEMENTQ1

SECURITIZING OF LOANSQ1

Abstract

Among the tools which are used for RISK MANAGEMENT in most banks of the world is the conversion process of bank claims into securities. This process can fulfill objectives such as increasing liquidity, expanding and diversifying activities, reducing liquidity and CREDIT RISKs, and improving banks' capital adequacy ratio (CAR). Asset securitization is a process in which financial intermediaries including commercial banks directly sell exchangeable securities to investors; it is one of the main solutions for generating cash flow in the banking sector. This process is a major financial innovation which was invented for the first time in United States of America in 1970s and deeply influenced the role of financial intermediaries in capital market. Since then, due to the increased world demand for money, banks have felt the necessity of applying this technique and, accordingly, have sought to change their strategies. This tool which has been applied in the world for more than 40 years is not at its operational stage in Iran yet. In the present paper, after investigating different securitization processes and their use, the concept, process, and advantages of converting banks' credit facilities into securities for reducing CREDIT RISK are stated.

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APA: Copy

RAHNAMAYE ROODPOSHTI, FEREYDOON, & GHOLAMREZA, MANSOUREH. (2018). LOAN SECURITIES WITH CREDIT RISK COVERAGE APPROACH. INVESTMENT KNOWLEDGE, 7(25 ), 83-97. SID. https://sid.ir/paper/187977/en

Vancouver: Copy

RAHNAMAYE ROODPOSHTI FEREYDOON, GHOLAMREZA MANSOUREH. LOAN SECURITIES WITH CREDIT RISK COVERAGE APPROACH. INVESTMENT KNOWLEDGE[Internet]. 2018;7(25 ):83-97. Available from: https://sid.ir/paper/187977/en

IEEE: Copy

FEREYDOON RAHNAMAYE ROODPOSHTI, and MANSOUREH GHOLAMREZA, “LOAN SECURITIES WITH CREDIT RISK COVERAGE APPROACH,” INVESTMENT KNOWLEDGE, vol. 7, no. 25 , pp. 83–97, 2018, [Online]. Available: https://sid.ir/paper/187977/en

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