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  • 标题:Into the Great Unknown: Stress Testing with Weak Data
  • 本地全文:下载
  • 作者:Ong ; Li L. | Maino ; Rodolfo | Duma
  • 期刊名称:International Monetary Fund Survey
  • 印刷版ISSN:0047-083X
  • 出版年度:2010
  • 期号:dec
  • 出版社:International Monetary Fund
  • 摘要:

    Stress testing has become the risk management tool du jour in the wake of the global financial crisis. In countries where the information reported by financial institutions is considered to be of sufficiently good quality, and supervisory and regulatory standards are high, stress tests can be of significant value. In contrast, the proliferation of stress testing in underdeveloped financial systems with weak oversight regimes is fraught with uncertainties, as it is unclear what the results actually represent and how they could be usefully applied. In this paper, problems associated with stress tests using weak data are examined. We offer a potentially more useful alternative, the "breaking point" method, which also requires close coordination with on-site supervision and complemented by other supervisory tools and qualitative information. Excel spreadsheet templates of the stress tests presented in this paper are provided.

  • 关键词:Ad hoc shock ; breaking point ; data quality ; loan classification ; provision ; stress testing
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