Difference between revisions of "SME Lending"

From Open Risk Manual
Line 1: Line 1:
 
== Definition ==
 
== Definition ==
'''SME Lending''' denotes any of a wide array of loan or related financial products that provide financing to [[wikipedia:Small and medium-sized enterprises | small or medium sized enterprizes]]
+
'''SME Lending''' denotes any of a wide array of loan or related financial products that provide financing to [[wikipedia:Small and medium-sized enterprises | small or medium sized enterprises]]
  
 +
== Business Models ==
 +
SME Lending is typically provided by banks. Additional channels may include [[Securitisation]] and [[Peer-to-peer Lending]] (Marketplace lending or crowdfounding)
 +
 +
== Regulatory Status ==
 +
* Capital requirements for SME exposures are set separately from corporate or retail exposures (see [[ASRF]])
 +
 +
== Accounting Status ==
 +
* SME loand would be typically accounted under [[IFRS 9]] (or [[CECL]]) accounting rules
 +
 +
== SME Credit Risk Models ==
 +
Similar with other credit assets, SME [[Credit Risk Modelling | credit risk models]] will include
 +
* various types of [[SME Credit Scorecard | credit scorecards]]
 +
* models producing [[Risk Parameters]] for internal risk management and regulatory purposes
 +
* a specialized [[Credit Portfolio Model]]
  
 
[[Category:SME Credit Risk]]
 
[[Category:SME Credit Risk]]

Revision as of 18:43, 25 June 2019

Definition

SME Lending denotes any of a wide array of loan or related financial products that provide financing to small or medium sized enterprises

Business Models

SME Lending is typically provided by banks. Additional channels may include Securitisation and Peer-to-peer Lending (Marketplace lending or crowdfounding)

Regulatory Status

  • Capital requirements for SME exposures are set separately from corporate or retail exposures (see ASRF)

Accounting Status

  • SME loand would be typically accounted under IFRS 9 (or CECL) accounting rules

SME Credit Risk Models

Similar with other credit assets, SME credit risk models will include

Contributors to this article

» Wiki admin