Information Sharing in Property Appraisal to Reduce Collateral Risk in Banking

Mehmet Yazıcı and Erkut Baloğlu
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Mehmet Yazıcı: İstanbul Arel University
Erkut Baloğlu: Eurobank Tekfen A.Ş.

Journal of Finance Letters (Maliye ve Finans Yazıları), 2012, vol. 27, issue 97, 38-62

Abstract: Increased non-performing loan portfolios of the banks that is stimulated by the global financial crisis, indicates a collateralization and appraisal problems not only for banks but for variety of financial institutions. The property appraisal process is very important and vital for the banks in measuring and increasing their collateral quality. The high expectations of the banks, lack of standardization, lack of experienced personnel, and high level of competition put extreme pressure on appraisal companies. In order to prevent the problems in the future, problems detected in the system and solutions are taken into consideration in the topic of this article.

Keywords: Appraisal; Property Appraisal; Information Sharing; Credit Bureau; Banking (search for similar items in EconPapers)
JEL-codes: D83 G14 G21 (search for similar items in EconPapers)
Date: 2012
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Persistent link: https://EconPapers.repec.org/RePEc:acc:malfin:v:27:y:2012:i:97:p:38-62

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