TFL Vsebine / Revija SIR*IUS

New European guidelines on loan origination and monitoring– impact on collateral valuation processes

Konec junija 2021 se bodo začele uporabljati nove panevropske smernice, ki naj bi zagotavljale, da bodo dajalci kreditov preudarno prevzemali in upravljali kreditno tveganje. Smernice izražajo regulatorna pričakovanja Evropskega bančnega organa (EBA) na področju odobravanja kreditov in njihovega spremljanja ter določajo enotne standarde različnih faz kreditnega procesa, kot so priprava kreditnih strategij in notranjih politik, zbiranje informacij in dokumentacije o kreditojemalcih za ocenjevanje kreditne sposobnosti ter izvajanje tega, odločanje o kreditih, določanje cen, (pre)vrednotenje premoženja v zavarovanju in redno spremljanje kreditojemalcev. Predvsem na področju naprednih statističnih modelov vrednotenja nepremičnin prinašajo regulatorno novost, saj ob izpolnitvi določenih pogojev omogočajo uporabo njihovih rezultatov že ob vzpostavitvi zavarovanja.

At the end of June 2021, new pan-european guidelines will come into force to ensure prudent credit risk taking and management by creditors. The guidelines reflect the regulatory expectations of the european Banking authority (EBA) in the field of loan origination and monitoring, and set uniform standards for the various stages of the credit process, such as preparation of credit strategies and internal policies, collection of information and documentation on borrowers for the purpose of assessing their creditworthiness and its execution, credit decision-making, pricing, (re)valuation of collateral and regular monitoring of borrowers. especially in the field of the use of advanced statistical models for valuation of immovable property collateral, they bring regulatory novelty, as they enable the use of results of such models already at the point of the establishment of collateral, provided that certain conditions are met.