Responsible Lending - Changing Regulatory Environment and Industry Practices


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Market Research Reports, Inc. has announced the addition of “Insight Report: Responsible Lending – Changing Regulatory Environment and Industry Practices” research report to their offering. See more visit -

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Responsible Lending - Changing Regulatory Environment and Industry Practices

  1. 1. Category : Banking & Finance All logos and Images mentioned on this slide belong to their respective owners.
  2. 2. Introduction to Report  Launch Date: March 28, 2014  Number of Pages: 41  Geography Coverage: Global  Available Format: PDF Price For Single User License: USD 3,800 Price For Site User License: USD 7,600 Price For Global User License: USD 11,400 Delivery Time: Within 24 Hours (During Working Days)
  3. 3. About the Report Governments and regulatory bodies across the world have enforced numerous measures to curb irresponsible lending practices by banks and other credit institutions. These bodies have also taken initiatives to create consumer awareness about prudent borrowing to avoid excess debt. Excessive fees and interest rates on loans, lack of disclosure of products’ terms and conditions, and deceptive debt-collection practices by banks and credit institutions contributed significantly to the financial crisis in the US and other developed economies in 2008–2009.
  4. 4. Research Findings The improper marketing and advertising of loans and other financial products encourage reckless borrowing by consumers. Low levels of consumer financial literacy have created an unclear lending situation between lender and borrowers. The non-availability of guidelines by monetary authorities can sometimes pose a challenge for banks, hindering the successful implementation of responsible lending. A lack of guidelines can lead banks and credit institutions to develop their own measures to comply with regulations. The growing middle classes in Latin America are driving demand for credit. The strict implementation of responsible lending regulations will decrease NPL rates over the forecast period (2013–2017).
  5. 5. Research Findings Continues… In South Africa, there is a varying pattern of highs and lows in the NPL ratio, suggesting unclear monetary regulation in the country. This is due to continued reckless lending practices by banks, and the unsuccessful implementation of the National Credit Act. The phenomenon of responsible lending has assumed increased urgency since the global financial crisis, and has become a priority for governments and other regulators in many countries which are increasingly concerned about the consequences of irresponsible practices in the financial sector, particularly in banking.
  6. 6. Research Findings Continues… The US was the country most affected by the financial crisis, and was at the forefront of enforcing responsible lending practices in the banking industry to restore consumer confidence in, and stability to, the industry. Banks and credit institutions are now required to provide customers with understandable information about the risks and benefits of credit products so they can make informed decisions and protect themselves from illicit practices.
  7. 7. Scope This report highlights the key regulations enforced by regulatory authorities across the world to curb the after- effects of the global financial crisis. The report gives an insight into high-growth lending markets where risk of arrears or default is low. The report also uses case studies to illustrate the successful implementation of responsible lending practices.
  8. 8. Report Coverage Executive Summary Responsible Lending Practices in Global Retail Banking Regional Overview of Responsible Lending Regulation Market Attractiveness and Opportunity Analysis Responsible Lending Practices Appendix
  9. 9. Company Coverage 1. Bank Negara Malaysia 2. JP Morgan 3. Sberbank of Russia 4. Small Industries Development Bank of India (SIDBI) 5. Wells Fargo For more details regarding Report coverage see the last slide All logos and Images mentioned on this slide belong to their respective owners.
  10. 10. Custom Research:  Are you an industry professional, entrepreneur, venture capitalist, investors and organization, then let us know your specific research requirements. Our goal is to cater to your requirements be it for a custom market research project, syndicated research report on a specific market or industry sector, newsletter creation, case study development or anything else related to marketing research. For Any Customization Related query Visit IdeaCenter @
  11. 11. How To Buy This Report? Visit following URL to see Table of Content and purchase this publication: About Market Research Reports, Inc. Market Research Reports provides a customized set of reports from reputed Publishers, built on the intelligence available within organizations and leverages on our motto of “Intelligence Redefined”. Contact : Amitava Sen Email : Phone: +1 302-703-7787 (USA) +91-8762746600 (India)