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Periodic Essay
China: an evolving housing market
Periodic Essay
Foreign banks' new China strategy
Periodic Essay
Japanese city banks: unwarranted housing loan expectations
Periodic Essay
Deposit insurance programs in Asia
Periodic Essay
Prudential liquidity standards in Asia
Since the outbreak of the global financial crisis, regulators have increased their focus on the ability of banks to measure and manage liquidity risk. In December 2009, the Basel Committee on Banking Supervision (the Basel Committee) identified ineffective liquidity management as a key characteristic of the crisis and highlighted the lack of attention that liquidity risk received relative to other risks prior to the crisis. Recognizing the key role of illiquidity in the crisis, the Basel Committee included two global minimum liquidity standards as part of the recently announced Basel III ...
Periodic Essay
Banking reform in Vietnam
Vietnams banking sector is expected to have one of the highest growth rates in Asia during the next few years due to the countrys continued economic expansion, rising household incomes, and relatively low penetration of existing banking services. Over the past two decades, the Vietnamese government has undertaken a series of reforms to strengthen and modernize the sector as part of the countrys move towards a more open and marketoriented economy. Many of these reforms have also been motivated by Vietnams growing participation in international agreements and ongoing efforts to adopt ...
Periodic Essay
Credit bureaus in Asia
Rising personal income levels and increasingly competitive lending markets have led to rapidly growing consumer credit in Asian economies during the past decade. However, in many cases this expansion of credit outstripped financial institutions ability to manage the associated increase in credit risk. The rising number of credit card defaults and subsequent personal bankruptcies in economies including South Korea, Hong Kong, and Taiwan in the early- to mid-2000s demonstrated the need for Asian lending institutions to employ more robust credit risk management tools. Credit bureaus, which ...
Periodic Essay
Risk management in a global environment
Since 2007, the Federal Reserve Bank of San Francisco (FRBSF) has held an annual conference or symposium on banking and financial developments in Asia. The inaugural conference was held on the 10th anniversary of the Asian financial crisis and examined the impact of that crisis on Asian economies, and the financial and banking reforms that led to economic recovery and renewed growth throughout the region. Conference participants discussed lessons from the crisis, including lessons relevant to the United States and other Western economies.
Periodic Essay
Microfinance in the Philippines
This Asia Focus report reviews the growth of the Philippines microfinance industry and discusses the implications of commercial banks entering this market.