The Standard & Poor's Guide to Measuring and Managing Credit Risk

Book Description

Today's most complete, up-to-date reference for controlling credit risk exposure of all types, in every environment

Measuring and Managing Credit Risk takes you far beyond the Basel guidelines to detail a powerful, proven program for understanding and controlling your firm’s credit risk. Providing hands-on answers on practical topics from capital management to correlations, and supporting its theories with up-to-the-minute data and insights, this authoritative book examines every key aspect of credit risk, including:

Determinants of credit risk and pricing/spread implications
Quantitative models for moving beyond Altman’s Z score to separate “good” borrowers from “bad”
Key determinants of loss given default, and potential links between recovery rates and probabilities of default
Measures of dependency including linear correlation, and the impact of correlation on portfolio losses
A detailed review of five of today’s most popular portfolio models—CreditMetrics, CreditPortfolioView, Portfolio Risk Tracker, CreditRisk+, and Portfolio Manager
How credit risk is reflected in the prices and yields of individual securities
How derivatives and securitization instruments can be used to transfer and repackage credit risk

Today’s credit risk measurement and management tools and techniques provide organizations with dramatically improved strength and flexibility, not only in mitigating risk but also in improving overall financial performance. Measuring and Managing Credit Risk introduces and explores each of these tools, along with the rapidly evolving global credit environment, to provide bankers and other financial decision-makers with the know-how to avoid excessive credit risk where possible—and mitigate it when necessary.

Customer Reviews:

Must have for risk management.......2007-06-29

Yes, this is a must have. Written by S&P auther, it is the definitive guide, no question should be asked. cause they are credit king.

Many details on how to measure risk, quantitative methods in detail. Ideas and industry practice all in great detail. I could imagine some quants will use it as a cook book for their project.

overall, well written for easy read. both good for a glance at credit risk and for in depth learning of industry standard.

Most Appropriate for Basel II.......2005-09-08

If you are Banker/Banking Consultant then this book is the closest you will get to understanding Credit Risk from a Basel II perspective. Its clear & lucid style helped me understand the gamut of techniques used in Credit Risk Measurement. Unfortunately the Book does not get into the details of bulinding models so if your looking for a model building cookbook, look elsewhere.

a complete, robust and comprehensive valuable resource!.......2004-06-16

In Measuring and Managing Credit Risk, the authors provided a robust, complete and comprehensive treatment of several aspects of modern credit risk measurement and management. Written by two high talented practitioners, this book will become certainly a reference both for academics and practitioners thanks to its careful treatment of several not so known empirical issues which practitioners have to face everyday. At the same time, do not consider the book as a new recipes book for managing credit risk. Both authors already proved their deep knowledges of financial theory and establish once again, through this book, how advanced knowledges of theory combined with significant practical experience make leading researches. As a PhD candidate in Finance, actually writing on credit risk, I definitively adopted this book and higly recommend it for anyone dealing with credit risk issues either through a practical experience or through a theoritical work.

Financial Risk Management: A Practitioner's Guide to Managing Market and Credit Risk (with CD-ROM)

Average customer rating:

Best Practical Risk Management Book Ever!
Smart, Savvy, Practical
An Excellent book on risk management

Financial Risk Management: A Practitioner's Guide to Managing Market and Credit Risk (with CD-ROM)
Steve L. Allen
Manufacturer: Wiley
ProductGroup: Book
Binding: Hardcover

Corporate Finance | Finance | Business & Investing | Subjects | Books

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Similar Items:

The Fundamentals of Risk Measurement
Risk and Asset Allocation (Springer Finance)
Options, Futures and Other Derivatives (6th Edition)
The Essentials of Risk Management
Financial Risk Manager Handbook (Wiley Finance)

ASIN: 0471219770

Book Description

An insider's view of financial risk management
This complete guide covers the strategies, principles, and measurement techniques necessary to measure and manage financial risk. With a focus on management perspective, this book explores real-world issues such as model validation, risk measurement, valuation methodologies, and much more. Self-contained Excel spreadsheets are included on the companion CD-ROM.
Steve Allen (New York, NY) is Managing Director of Market Risk Management at J.P. Morgan Chase. He has been a key architect of Chase's Value-at-Risk and Stress Testing systems. Allen also serves as Co-Chairman of the Market and Credit Risk Committee of the Bond Market Association and is coauthor of Valuing Fixed Income Investments and Derivative Securities.

Customer Reviews:

Best Practical Risk Management Book Ever! .......2006-05-24

Allen's book is absolutely phenomenal. Most of the risk management books out there are too technical to be of any practical use. Allen truly focuses on the practice of risk management and gives us insights on how to be a truly good risk manager. Traders could benefit from his insights as well. I particularly liked his breakdown of linear vs. non-linear risks, and liquid vs. non-liquid positions. In terms of the practical risk management of options (vanilla and exotics) I haven't seen anything this clear and this comprehensive. The accompanying CD is an absolute blessing in order to fully understand the concepts like price vol matrices, etc. This should be a required additional reading for all students in financial mathematics/MBA programs around the world! Well Done Mr. Allen!!

Smart, Savvy, Practical.......2003-11-14

Allen delivers the most insightful look at market risk management for dealers since the Group of 30 Report. While other books are taking on an increasingly bureaucratic tone when it comes to risk management, Allen is refreshingly proactive. I really like the treatment of valuation reserves. His discussion of managing spot, forward and options risks bridges the gap between what a trader is thinking and what a risk manager should be thinking. This isn't a book for the sort of risk manager who hasn't been on the trading floor in a few months. It is a tactical book for the pro who works shoulder to shoulder with quants, traders and salespeople. Note that the book is qualitative. For the quantitative side of all this, see Holton's landmark "Value-at-Risk".

An Excellent book on risk management.......2003-06-18

This is a must buy book for both kinds of people: students or people in academia and practitioners who want to understand different type of risk they face at a macro or micro level. The reasons I like this book on risk management better than thousand others already out there are following. I like to describe this book as having two sections, both the sections are very important and people can focus on either depending on what they are looking for. The first part of the book provides a very good understanding of the risks faced by managers, for example risk managers, head of a trading portolfio or a desk or even CEOs. Very often these people face risk which are hard to quantify or even understand and are not often talked about. The author draws from personal experience and provides interesting case studies,. which makes this part of the book a pleasure to read. I learnt about model risk, reputation risk and other such risks which typically a junior person on a trading desk is not exposed to. So this understanding is very valuable in order to communicate with your boss or to get more insights about risks that management may care about.
The Second part of the book focusses on risk management of different type of instruments, instruments range from plain vanilla to complex path dependent options. It spans through assets classes as well. As promised by the author, the level of mathematical and quantitative background required is kept to the minimum. The text provides intuition about what market variables or market moves a specific instruments depends on rather than complex formulae to price such instruments. For somebody like me, who has a little more mathematical background than an average reader, the text points to latest research or specific papers that I can explore if I want to flex my quantitative muscle.
The book is full of very interesting exercises and case studies, which are truly practical. This is something which is completely different from many texts that I have seen on this topic.
Overall, I highly recommend this book to anybody who has anything to do with trading financial instruments.

The Complete Idiot's Guide to Managing Your Money, 4th Edition (Complete Idiot's Guide to)

Average customer rating:

If You Know Nothing About Financing; Start Here...
The Complete Idiot's Guide to Managing Your Money, Second Ed
Very Helpful!
The Complete Idiots Guide to Managing Your Money
Highly Recommended for Everyone

The Complete Idiot's Guide to Managing Your Money, 4th Edition (Complete Idiot's Guide to)
Robert K. Heady , Christy Heady , and Hugo Ottolenghi
Manufacturer: Alpha
ProductGroup: Book
Binding: Paperback

Budgeting & Money Management | Personal Finance | Business & Investing | Subjects | Books

Credit Ratings & Repair | Personal Finance | Business & Investing | Subjects | Books

General | Reference | Subjects | Books
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The Complete Idiot's Guide to Personal Finance in your 20s and 30s, Third Edition
The Complete Idiot's Guide to Managing Your Time (3rd Edition)
Personal Finance For Dummies, 5th edition

ASIN: 1592572987

Amazon.com

The Complete Idiot's Guide to Managing Your Money shows that any numbskull can master personal finance. In this second edition, a father-and-daughter writing team, Robert K. Heady and Christy Heady, give readers the best advice culled from their many years of experience in consumer rights and money management. The Headys believe that money must be managed for the long haul and that there are no quick ways to build wealth. The guide is easy to read, witty, and scornful of the hype dished out by banks and other peddlers of personal finance. It provides a plethora of personal-finance tips for consumers, including how to get the best deal on a mortgage, pay off debt, and bank online. The authors expose financial pitfalls such as bank-sold mutual funds, dealer financing for motor vehicles, extended warranties, and those dreaded bank fees. A full chapter is devoted to the evils of credit cards, which they feel is the biggest ripoff in the financial world. The writers contend that the toughest thing about saving is making the decision to do it. You should get going by putting aside a little amount of money each month through a mutual fund or dividend reinvestment plan. "The whole idea of managing money is to save a dollar here and there and then take that dollar and build it into two," they write. It shouldn't take a rocket scientist to understand that. --Dan Ring

Book Description

Customer Reviews:

If You Know Nothing About Financing; Start Here..........2003-07-06

This has the basic knowledge need to manage your finacing ranging from simple budgeting, credit, stocks and mutual funds, Certificate of Deposit, how to read the market and the prime rate and what it all means. Also, it provides the mental mindset you need to manage and spend money properly, without resorting to short term spending splurges. There's tables for calcuating college funds, morgages, and retirements but most importantly how to avoid the many traps and scams many vendors use to make money off of you without providing any extra services. The one thing I found somewhat worrysome is the way the authors protrayed the banks and other institutions to the point of scaring the reader into being nearly paranoid of all financial instistutions. The fees these institutions charge are describe in the book with good details. A good "how to avoid pitfalls" book.

The Complete Idiot's Guide to Managing Your Money, Second Ed.......2001-06-04

I love this book! Before reading this book, I wondered how anyone could ever save money in the world today. It has helped me to mangage my money easily. An easy to read book, which I use now as a reference whenever I have a question concerning my personal finances. I finally started a 401K, bought a house, a new car, and I am finally learning to save some money,instead of living paycheck to paycheck.

Very Helpful!.......2001-05-25

This book gave me invaluable advice regarding my finances. I would highly recommend it to anyone and everyone! I have adopted many strategies in the book to save for a rainy day. Thank you, and when are you coming out with another edition?

The Complete Idiots Guide to Managing Your Money.......2001-05-25

This book did a great job of explaining to the average person how to save, invest and avoid the common financial pitfalls we so often make. It was done with humor and wit, which is a breath of fresh air in this often hard to understand, jargon loaded industry. This book is beneficial to anyone who has thought about developing a financial plan but does not know how or where to begin. It is an easy read, fun and should be a required reading for the masses of people buried in credit card debt! Great job!!

Highly Recommended for Everyone.......2001-05-25

Anyone can easily understand and make a decision about their personal financial future, and also what the best approach for getting out of debt. Good analogies-

David Scott's Guide to Managing Credit and Debt (David Scott's Guides)

Average customer rating:

A good investment
Worth the cost
Help for the average person
Help when needed

David Scott's Guide to Managing Credit and Debt (David Scott's Guides)
David L. Scott
Manufacturer: Houghton Mifflin
ProductGroup: Book
Binding: Paperback

Credit Ratings & Repair | Personal Finance | Business & Investing | Subjects | Books

General | Personal Finance | Business & Investing | Subjects | Books

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David Scott's Guide to Investing in Common Stocks (David Scott's Guides)
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David Scott's Guide to Investing in Bonds (David Scott's Guide)
Michael Finney's Consumer Confidential: The Money-Saving Secrets They Don't Want You to Know

ASIN: 0618458700

Book Description

Why are credit records important? How can a family determine its debt limit? How much should an individual spend on a home? Readers of this instructive guide will find answers to these questions as well as other valuable information on managing credit and breaking the cycle of debt. In simple language addressed to the individual consumer, David Scott explains - how interest rates are calculated - how to choose a credit card - the various types of car loans - what to consider when financing the purchase of a home - how to negotiate with creditors

Customer Reviews:

A good investment.......2006-05-27

Buy this for your kids. It will be the best $10 you ever spent. That is, if they read it an follow Scott's advice.

Worth the cost.......2006-05-18

Spending $10 on this book can pay big rewards. At least, it did for me. I have a spending problem and had even bigger problems with my credit cards. This book didn't cure the spending probem but it sure helps with the credit cards. A good book.

Help for the average person.......2005-05-28

I found this short guide to be very helpful in allowing me to get a handle on my credit problems. At least it was a start which is what I needed. I recommend this book to anyone who is struggling with debts.

Help when needed.......2005-05-14

This book provided help to a guy who really needed it. It is short and sweet with advice on how to make smart decisions on borrowing. The section on credit cards was especially good. I strongly recommend Scott's book that is a quick read. For $10 how can you go wrong?

Managing Credit Risk in Corporate Bond Portfolios: A Practitioner's Guide

Average customer rating:

A Must Read for all 'Traditional' Fixed Income Managers

Managing Credit Risk in Corporate Bond Portfolios: A Practitioner's Guide
Srichander Ramaswamy
Manufacturer: Wiley
ProductGroup: Book
Binding: Hardcover

General | Popular Economics | Business & Investing | Subjects | Books

Money & Monetary Policy | Economics | Business & Investing | Subjects | Books

Corporate Finance | Finance | Business & Investing | Subjects | Books

General | Business & Investing | Subjects | Books

General | Investing | Business & Investing | Subjects | Books

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Risk Management and Shareholders' Value in Banking: From Risk Measurement Models to Capital Allocation Policies (The Wiley Finance Series)
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Fixed-Income Securities: Valuation, Risk Management and Portfolio Strategies (The Wiley Finance Series)

ASIN: 0471430374

Book Description

Expert guidance on managing credit risk in bond portfolios
Managing Credit Risk in Corporate Bond Portfolios shows readers how to measure and manage the risks of a corporate bond portfolio against its benchmark. This comprehensive guide explores a wide range of topics surrounding credit risk and bond portfolios, including the similarities and differences between corporate and government bond portfolios, yield curve risk, default and credit migration risk, Monte Carlo simulation techniques, and portfolio selection methods.
Srichander Ramaswamy, PhD (Basel, Switzerland), is Head of Investment Analysis at the Bank for International Settlements (BIS) in Basel, Switzerland, and Adjunct Professor of Banking and Finance, University of Lausanne.

Download Description

Customer Reviews:

A Must Read for all 'Traditional' Fixed Income Managers.......2003-11-30

This book does indeed fill an important gap in the literature - in bridging the quant and the strategist.
Simply put, the author has assembled a very readable set of ingredients from which one could 'proficiently' manage a corporate bond mandate.
The chapters on credit portfolio risk measurement and optimization are very informative and leave the right questions open to interpretation and future research.
The collection of analytical and simulation based approaches and empirical results is excellent and useful for everyone - no matter what the level of experience or expertise of the reader.
The reason for 4 stars is that I feel too much time was spent on discussing the KMV approach (which although well-known, has a number of weaknesses), not quite enough time was spent on the development of simulation-based approaches, and the author does not attempt to integrate market and credit risks directly.
This being said - there is enough detail in this book to lead the inquisitive reader into these subjects in more detail with a great background.
Excellent book

The Insider's Guide to Managing Your Credit: How to Establish, Maintain, Repair and Protect Your Credit

Average customer rating:

Nothing new...
Getting out of debt, and repairing damaged credit
ON EQUAL GROUND
Very informative book!
Not very helpful

The Insider's Guide to Managing Your Credit: How to Establish, Maintain, Repair and Protect Your Credit
Deborah McNaughton
Manufacturer: Dearborn Trade
ProductGroup: Book
Binding: Paperback

General | Popular Economics | Business & Investing | Subjects | Books

Public Finance | Economics | Business & Investing | Subjects | Books

Budgeting & Money Management | Personal Finance | Business & Investing | Subjects | Books

Credit Ratings & Repair | Personal Finance | Business & Investing | Subjects | Books

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Your Credit Score: How to Fix, Improve, and Protect the 3-Digit Number that Shapes Your Financial Future (2nd Edition) (Liz Pulliam Weston)
The Guerrilla Guide to Credit Repair: How to Find out What's Wrong with Your Credit Rating and How to Fix It

ASIN: 079312669X

Book Description

How to establish, maintain, repair, and protect credit--financial worksheets included!

From a credit expert, this guide explains how to use credit as a tool, safely and sensibly. It discusses the different types of credit, how to establish a credit history when you're just starting out, the Ten Commandments of Credit, how to deal with collection agencies and get out of debt, how to reestablish credit after a bankruptcy, and more.

"The only book you'll ever need about credit."--Paul Navestad, President and CEO, Financial Services Network-USA, Inc.

* The author founded Professional Credit Counselors in 1984, conducts seminars, is a popular talk-show guest, and has authored many books on credit

* Includes worksheets

Customer Reviews:

Nothing new..........2005-08-14

Ask anyone, and they will tell you that the American system of credit is one of the toughest schemes for an individual to understand. If, as it is my case, you are a foreigner, the problem only gets escalated to the maximum degree. This is the type of book one turns to when in serious need of credit advice. It is also, unfortunately, not as helpful as I was expecting it to be. At one point, it honestly made think that I'd suddenly become the "expert" Ms. McNaughton claims one should be on the subject (Page 119). And I hadn't even been halfway through the book!

The book is divided into three major parts:

- Establishing credit
- Dealing with credit problems
- Credit restoration / Credit repair

I found its main value in the numerous spreadsheets offered as a tracking tool for credit establishment and repair. Thus, we have timed sheets to achieve different goals, forms to track current and applied for credit cards, reports to the local and major credit bureaus, debt tracking, etc.

On Pages 116 through 118 there is an interesting but still kind of far-fetched idea about using 20 credit cards - yes, you read correctly, twenty! - to make money out of a calculated scheme to obtain downpayment for a mortgage. The process; however, seems complicated, and although I would agree with Ms. McNaughton that credit cards can actually be a good thing if used wisely, I found such suggestion on a book that technically has the purpose of teaching people how to better handle their credit issues a bit dangerous. Moreover, the world of credit has changed since 1998 (when the book was written), and some information is inaccurate. For example, Equifax no longer uses the criteria described on pages 84 and 85 in their reports.

Overall, save your time and your money and research the web or contact Consumer Credit Counseling Services. Your credit will appreciate it.

Getting out of debt, and repairing damaged credit.......2001-09-07

Credit management expert Deborah McNaughton shows the reader how to establish, maintain, repair and protect his or her credit in The Insider's Guide To Managing Your Credit. The first half of this superbly presented "how to" book is on establishing credit, including information on the various types of credit, qualifying for credit, dealing with credit denials and credit reporting agencies, the credit application process, and even the use of credit to make money. The second half of The Insider's Guide To Managing Your Credit focuses on dealing with credit problems, working with collection agencies, getting out of debt, and repairing damaged credit. The informative, "reader friendly" text is enhanced with a section on "The Most Frequently Asked Questions and Their Answers"; listings of "Federal Government Publications" and "Regional Offices of the Federal Trade Commission"; a glossary; and an Index. Highly recommended!

ON EQUAL GROUND.......2001-01-17

At last a book that can be used as a guide and tool to understanding the credit industry. Everybody has had unique situations that may have had an impact on their ability to keep their credit in good standing, but one thing is certain, the industry can not and will not distinguish between individual circumstances, if you missed a payment, end of story, you have a negative mark against your credit history. This book helped me gain an understanding of the credit terminology and assisted me in learning how to read and understand my credit report. You can't hide from your credit history and the mistakes you made in the past. So, learn "tricks" that will help remove negative marks on your credit report, learn that too many inquiries against your credit report can actually hurt your ability to obtain credit, or learn the differences between the credit agencies, plus a lot more. This book is a must for all people who have or will, try to obtain credit. Give yourself an advantage that few people have, learn your second identity, your credit history!

Very informative book!.......2000-11-14

This book has put me on the right track to repair my credit. It has taught me how to deal with my credit problems. There is a lot of helpful information about credit, information that everybody should know. I strongly recommend this book to anyone who is like me and could use some expert credit advice!

Not very helpful.......2000-11-01

This book is very general and doesnt give very much advice on how to actually repair your credit. It doesnt really cover the different types of credit problems that people have.

Asset-Based Lending: The Complete Guide to Originating, Evaluating, and Managing Asset-Based Loans, Leasing, and Factoring

Average customer rating:

Asset-Based Lending: The Complete Guide to Originating, Evaluating, and Managing Asset-Based Loans, Leasing, and Factoring
Peter S. Clarke
Manufacturer: Irwin Professional Pub
ProductGroup: Book
Binding: Hardcover

General | Popular Economics | Business & Investing | Subjects | Books

Public Finance | Economics | Business & Investing | Subjects | Books

General | Business & Investing | Subjects | Books

Banks & Banking | Industries & Professions | Business & Investing | Subjects | Books

Book Description

The comprehensive book is instrumental in giving banks greater control over their loan portfolio quality and conpetitive edge over other instituions doing business in the area. Asset-Based Lending defines lending controls and policies, assessing collateral and borrower quality, loan pricing, collateral control and much more, including: Cash collateral accounts, commingling funds and controlling payments and advances; Completing notes, security agreements and other documents; Accounts receivable and inventory lending; Chattel paper, notes, machinery and equipment; Third party leasing; Outside audits and examinations; Factoring.

The Credit Suisse Guide to Managing Your Personal Wealth

Average customer rating:

The Credit Suisse Guide to Managing Your Personal Wealth
n/a
Manufacturer: Edinburgh Financial Publishing
ProductGroup: Book
Binding: Hardcover
ASIN: 9627982032

The Credit Suisse Guide to Managing Your Personal Wealth International Edition

Average customer rating:

The Credit Suisse Guide to Managing Your Personal Wealth International Edition
Sophie Pyott (Editor)
Manufacturer: Edinburgh Financial
ProductGroup: Book
Binding: Hardcover
ASIN: B000V8Z402

Average customer rating:

How to save on the cost of credit.
Good advice for a credit abuser

Guide to Managing Credit (Money Smarts)
David L. Scott
Manufacturer: Globe Pequot
ProductGroup: Book
Binding: Paperback

Public Finance | Economics | Business & Investing | Subjects | Books

General | Business & Investing | Subjects | Books

Credit Ratings & Repair | Personal Finance | Business & Investing | Subjects | Books

Book Description

Suggestions on how individuals can management personal credit. Includes information on credit cards, home loans, personal loans, and calculating interest rates.

Customer Reviews:

How to save on the cost of credit........2001-02-04

Everyone will use credit in their lifetime. Maybe to buy a house, car or paying for an education. This book outlines the procedures you should follow to ensure you get the cheapest credit avilable and not to overpay on money borrowed. And what to watch for so you don't obtain more credit than you can manage. There are many lending organizations that will encourage you to borrow more than you can pay back. These organizations want you to borrow so much that you will only be able to pay their high interest rates, but not be able to pay down on the amount borrowed. Consequently you are hooked. This book will help you avoid these pitfalls and teach you how to be a smart borrower.

Good advice for a credit abuser.......2001-01-29

This book helped me get my financial house in order. I was maxed out on four credit cards and needed some help. This provided a good start. Give this book a try if you are in over your head.

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