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Article: Beyond the basel accord: Should the capital adequacy ratio take account of the real estate environment in the Hong Kong Sar?

TitleBeyond the basel accord: Should the capital adequacy ratio take account of the real estate environment in the Hong Kong Sar?
Authors
Issue Date2007
PublisherSheshunoff Information Services Inc.. The Journal's web site is located at http://www.aspratt.com/store/819.php
Citation
Banking Law Journal, 2007, v. 124 n. 4, p. 297-308 How to Cite?
AbstractThe consolidated capital adequacy ratio, in accordance with the 1988 Basel Capital Accord, adopted for all banking institutions incorporated in the Hong Kong Special Administrative Region far exceeds international requirements. A new Capital Accord has been approved by the Basel Committee. It assigns a new risk rate of 35 percent to residential mortgages and the eight percent generally acceptable capital adequacy ratio will remain unchanged. As over 40 percent of loans held by local banking institutions are related to the real estate sector, the financial strength of these institutions could be affected by the performance of this sector. In fact, there are discrepancies between the capital adequacy ratios and qualifying credit ratings. This article examines these issues from a legal perspective.
Persistent Identifierhttp://hdl.handle.net/10722/156001
ISSN
1999 Impact Factor: 0.066
2015 SCImago Journal Rankings: 0.206
References

 

DC FieldValueLanguage
dc.contributor.authorHsu, BFCen_HK
dc.contributor.authorArner, Den_HK
dc.contributor.authorPretorius, Fen_HK
dc.date.accessioned2012-08-08T08:39:24Z-
dc.date.available2012-08-08T08:39:24Z-
dc.date.issued2007en_HK
dc.identifier.citationBanking Law Journal, 2007, v. 124 n. 4, p. 297-308en_HK
dc.identifier.issn0005-5506en_HK
dc.identifier.urihttp://hdl.handle.net/10722/156001-
dc.description.abstractThe consolidated capital adequacy ratio, in accordance with the 1988 Basel Capital Accord, adopted for all banking institutions incorporated in the Hong Kong Special Administrative Region far exceeds international requirements. A new Capital Accord has been approved by the Basel Committee. It assigns a new risk rate of 35 percent to residential mortgages and the eight percent generally acceptable capital adequacy ratio will remain unchanged. As over 40 percent of loans held by local banking institutions are related to the real estate sector, the financial strength of these institutions could be affected by the performance of this sector. In fact, there are discrepancies between the capital adequacy ratios and qualifying credit ratings. This article examines these issues from a legal perspective.en_HK
dc.languageengen_US
dc.publisherSheshunoff Information Services Inc.. The Journal's web site is located at http://www.aspratt.com/store/819.phpen_HK
dc.relation.ispartofBanking Law Journalen_HK
dc.titleBeyond the basel accord: Should the capital adequacy ratio take account of the real estate environment in the Hong Kong Sar?en_HK
dc.typeArticleen_HK
dc.identifier.emailHsu, BFC:bhsu@hkucc.hku.hken_HK
dc.identifier.emailArner, D:dwarner@hkucc.hku.hken_HK
dc.identifier.emailPretorius, F:fredpre@hkucc.hku.hken_HK
dc.identifier.authorityHsu, BFC=rp01002en_HK
dc.identifier.authorityArner, D=rp01237en_HK
dc.identifier.authorityPretorius, F=rp01018en_HK
dc.description.naturelink_to_subscribed_fulltexten_US
dc.identifier.scopuseid_2-s2.0-77951061102en_HK
dc.identifier.hkuros128386-
dc.relation.referenceshttp://www.scopus.com/mlt/select.url?eid=2-s2.0-77951061102&selection=ref&src=s&origin=recordpageen_HK
dc.identifier.volume124en_HK
dc.identifier.issue4en_HK
dc.identifier.spage297en_HK
dc.identifier.epage308en_HK
dc.publisher.placeUnited Statesen_HK
dc.identifier.scopusauthoridHsu, BFC=16241297300en_HK
dc.identifier.scopusauthoridArner, D=15046436800en_HK
dc.identifier.scopusauthoridPretorius, F=35616801000en_HK

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