The Journal of Lending & Credit Risk Management articles from June 1998

The Journal of Lending & Credit Risk Management archives from June 1998

Reynie Rutledge: Engineering a Success
June 1, 1998... Behind every successful bank is a success story. America's successful community banks - always a work in progress as competition continues to move in from all fronts - deserve special applause as they continue to reinvent themselves in the effort...

The Information Superhighway Is No Place for a Horserace
June 1, 1998... This article explores the issues involved in developing an Internet-savvy financial information organization. Ten common misperceptions about the Internet leads to some suggestions for developing an Internet policy and existing sites that can be...

Building a Web Site That Works: Here's How
June 1, 1998... Frogs in a pot of cool water may not notice slowly rising temperatures until too late. The Internet is heating up - both in bank presence and consumer use - but many community banks still maintain a wait-and-see position. This may be the year to...

The Role of Public Key Cryptography, Digital Signatures, and Digital Certificates in Electronic Commerce
June 1, 1998... Public key cryptography, digital signatures, and digital certificates form an important component of any electronic commerce solution. This article is intended to provide background information in understanding their role in electronic commerce...

Coming to an ATM near You: Iris Imaging
June 1, 1998... A New Jersey company has developed special cameras for automatic teller machines that will recognize customers, eliminating the need for personal identification numbers and eventually even ATM cards. In addition to reducing fraud, the iris...

The High-Tech Loan Portfolio: Not Just a Snack, Anymore
June 1, 1998... This article looks at the driving forces behind the growth of information technology (IT), regions in which U.S. investment and growth are centered, and opportunities in lending to high-tech companies. Information technology (IT) is by far the...

Credit Management Weaknesses in Emerging Economy Banks
June 1, 1998... Extraordinarily high problem loan levels in the troubled Asian economies have led correspondent bankers, fund analysts, and rating agency specialists to reassess their methodology for analyzing emerging economy banks. This article identifies and...

Heading off Crises in East Asia
June 1, 1998... The following text is extracted from a letter dated April 8, 1998, from Charles H. Dallara, managing director of the Institute of International Finance, Inc. to His Excellency, Minister Philippe Maystadt, chairman of the Interim Committee. The...

Fraudulent Transfers: Payments at Risk
June 1, 1998... In the know-your-borrower department, consider the case of a bank forced to return three years' payments to a trustee in a bankruptcy action because a borrower had used corporate funds to make payments on a personal purchase. The author...

Portfolio Management and Regulatory Capital Standards
June 1, 1998... While banking regulators have no desire to espouse any new credit risk models or serve up any capital regulatory standards before "their time," bankers should view the present as an important window of time in which to become more sophisticated in...

Toward an "Internal Models" Capital Standard for Large Multinational Banking Companies
June 1, 1998... This article provides an overview of the emerging difficulties with RBC ratios and suggests some steps that may be necessary before regulators, and the industry, can effectively improve upon the existing structure of capital requirements. Part 1...

Prescription for Trouble
June 1, 1998... Following is the story of Sharon Mills, a young entrepreneur whose three years in creative tax reporting came back to haunt her in a most distressing manner. This tale is offered for lenders to share with their small business customers. Sharon...

The Great Equalizer
June 1, 1998... All's fair in love and banking. However, while a 93-pound human suitor may have a hard time looking like Hercules, a bank of any size can use technology to "morph" into whatever image it wants to project. Further, four trends can help allay...