Sentences with phrase «risk for financial institutions»

According to Walch, bitcoin blockchain's decentralized structure means it does not have an official organization or party that operates it, and the lack of any entity or organization bound by legal obligations to keep the blockchain software operational can become a major risk for financial institutions looking to adopt the bitcoin blockchain technology.

Davis Polk / PwC Joint Breakfast Seminar: Managing Sanctions Risk For Financial Institutions (February 2017)

For this reason, high loan to value ratios are usually considered high risk for financial institutions.

Not exact matches

Those federal rules, which double down on restrictions adopted in 2014 and stern warnings to lenders issued by OSFI earlier this summer, require banks to qualify borrowers at higher interest rates, impose additional limits on mortgages for buyers with small down payments, and compel financial institutions to share the risk by taking out insurance policies on low - ratio mortgages.

Financial institutions are in the business of trading risk for reward.

For example, heightened risk taking by investors and elevated leverage in large financial institutions and in shadow banking activities were among the factors that turned a downturn in the U.S. subprime mortgage market into a global financial crisis.

There is a sense that one should try and use all the tools at one's disposal, and that means fiscal tools, monetary tools, tools for intervention in financial institutions, and that there is more risk of doing too little than there is of doing too much.

Mr. Chisholm joined Goldman Sachs & Co. in New York in 1985 and he served in a variety of progressively senior leadership roles within the organization during his 30 - year career, including as Head of the Global Financial Institutions Group in both London and New York from 2002 to 2012 where he focused on areas such as strategic advisory, mergers and acquisitions, capital raising, risk and capital management and principal investing advisory for financial institutions Financial Institutions Group in both London and New York from 2002 to 2012 where he focused on areas such as strategic advisory, mergers and acquisitions, capital raising, risk and capital management and principal investing advisory for financial institutioInstitutions Group in both London and New York from 2002 to 2012 where he focused on areas such as strategic advisory, mergers and acquisitions, capital raising, risk and capital management and principal investing advisory for financial institutions financial institutionsinstitutions globally.

The white paper outlined the concept for a peer - to - peer version of electronic cash that would allow online payments to be sent directly from one party to another, anonymously and without counterparty risk or intermediation from financial institutions.

Over a year which has seen large banks halt funding for fossil fuel projects, major institutions divest from oil, gas and coal holdings, and oil companies snap up power and renewables companies in a bid to diversify their asset base, research published today by the UK Sustainable Investment and Finance Association (UKSIF) and the Climate Change Collaboration suggests nervousness over climate risk has shot up in financial circles.

Leading companies and institutions in more than 50 countries rely on our financial resources, expertise and infrastructure to help them grow their businesses, manage their risks and invest for the future.

Specifically, Defendants made false and / or misleading statements and / or failed to disclose that: (i) the Company was engaged in predatory lending practices that saddled subprime borrowers and / or those with poor or limited credit histories with high - interest rate debt that they could not repay; (ii) many of the Company's customers were using Qudian - provided loans to repay their existing loans, thereby inflating the Company's revenues and active borrower numbers and increasing the likelihood of defaults; (iii) the Company was providing online loans to college students despite a governmental ban on the practice; (iv) the Company was engaged overly aggressive and improper collection practices; (v) the Company had understated the number of its non-performing loans in the Registration Statement and Prospectus; (vi) because of the Company's improper lending, underwriting and collection practices it was subject to a heightened risk of adverse actions by Chinese regulators; (vii) the Company's largest sales platform and strategic partner, Alipay, and Ant Financial, could unilaterally cap the APR for loans provided by Qudian; (viii) the Company had failed to implement necessary safeguards to protect customer data; (ix) data for nearly one million Company customers had been leaked for sale to the black market, including names, addresses, phone numbers, loan information, accounts and, in some cases, passwords to CHIS, the state - backed higher - education qualification verification institution in China, subjecting the Company to undisclosed risks of penalties and financial and reputational harm; and (x) as a result of the foregoing, Qudian's public statements were materially false and misleading at all relevaFinancial, could unilaterally cap the APR for loans provided by Qudian; (viii) the Company had failed to implement necessary safeguards to protect customer data; (ix) data for nearly one million Company customers had been leaked for sale to the black market, including names, addresses, phone numbers, loan information, accounts and, in some cases, passwords to CHIS, the state - backed higher - education qualification verification institution in China, subjecting the Company to undisclosed risks of penalties and financial and reputational harm; and (x) as a result of the foregoing, Qudian's public statements were materially false and misleading at all relevafinancial and reputational harm; and (x) as a result of the foregoing, Qudian's public statements were materially false and misleading at all relevant times.

Investments in SMART529 are not guaranteed or insured by the State of West Virginia, the Board of Trustees of the West Virginia College Prepaid Tuition and Savings Program, the West Virginia State Treasurer's Office, Hartford Life Insurance Company, The Hartford Financial Services Group, Inc., the investment sub-advisors for the Underlying Funds or any depository institution and are subject to investment risks, including the loss of the principal amount invested, and may not be appropriate for all investors.

We are the first professional provider of rating and audit services for crypto market with great experience of risk assessment of traditional financial institutions.

Operating within the United States can be a lucrative business for a foreign financial institution, but it also brings challenges, not the least of which is complying with US regulations and managing risk.

In addition, financial institutions and investors seem too often to underestimate risk in the good times, with sometimes severe consequences for the broader community.

These concentrations of positions in the hands of the largest bank holding companies and investment banks posed risks for the financial system because of their interconnections with other financial institutions.»

Despite consensus optimism, non-bank financial institutions» appetite for corporate debt is being cited as a source of risk by more prudent institutions.

The State Council has also announced that China will create a five - year plan for a national financial database to focus on cross-sector products and important institutions to curb financial risk.

Key steps along this path include completion of the transition to full implementation of Basel III, including new liquidity requirements; enhanced prudential standards for systemically important firms, including risk - based capital requirements, a leverage ratio, and tighter prudential buffers for firms heavily reliant on short - term wholesale funding; expansion of the regulatory umbrella to incorporate all systemically important firms; the institution of an effective, cross-border resolution regime for systemically important financial institutions; and consideration of regulations, such as minimum margin requirements for securities financing transactions, to limit leverage in sectors beyond the banking sector and SIFIs.

APRA chairman Wayne Byres said the report should provide important insights for all financial institutions «about the need to maintain a broad focus on all aspects of risk and stakeholder interest and not allow financial success to mask or detract from other important measures of an institution's performance and risk profile».

It therefore makes sense for financial institutions» bonds to offer less yield than before because their business is considerably less exposed to leverage and risks.

Moreover, the longer the rapid increase in household borrowing continues, the greater is the risk that, at some point, households will need to adjust the structure of their balance sheets with potentially adverse consequences for the economy and financial institutions.

For the financial markets, those risks are compounded by the unbalanced «risk - on» exposure that investment managers and institutions adopted early this year, encouraged by a short - lived burst of economic activity, and faith in a central - bank backstop.

The financial institutions need to become more sophisticated in their innate ability to assess prospects for risks and returns.

But Wong identified as male when applying for federal financial aid, meaning Smith would risk its status as a historical women's institution by admitting her.

As head of the UK Debt Management Office, it is his responsibility to find financial institutions prepared to take the risk for the record - breaking amounts of British government debt flooding the market.

The acquisition of the most advanced financial and risk - management technologies translates into a competitive advantage for those financial institutions which are able to rely on the expertise of highly quantitative personnel in a wide range of key technical positions.

The new method would make it possible to create systemic risk profiles for markets and individual institutions, which could prove useful for financial regulators aiming to prevent future crises.

Whenever any civil action has been brought against any officer of the Florida College System institution board of trustees, including a board member, or any person employed by or agent of the Florida College System institution board of trustees, of any Florida College System institution for any act or omission arising out of and in the course of the performance of his or her duties and responsibilities, the Florida College System institution board of trustees may defray all costs of defending such action, including reasonable attorney's fees and expenses together with costs of appeal, if any, and may save harmless and protect such person from any financial loss resulting therefrom; and the Florida College System institution board of trustees may be self - insured, to enter into risk management programs, or to purchase insurance for whatever coverage it may choose, or to have any combination thereof, to cover all such losses and expenses.

Title I, Part D, of the Elementary and Secondary Education Act of 1965 (ESEA), as amended, also called the Prevention and Intervention Programs for Children and Youth who are Neglected, Delinquent or At - Risk Act, provides financial assistance to educational programs for youths in state - operated institutions or community day programs.

Title I, D — Prevention & Intervention for Children and Youth Who are Neglected, Delinquent, or At - Risk Title I, Part D Prevention & Intervention Programs for Children & Youth Who are Neglected, Delinquent, or At - Risk provides financial assistance to educational programs for youths in state - operated institutions or community day programs.

Having a good credit history makes it possible for service providers to gauge how much of a risk you are, a good rating means more financial options and opportunities — this makes it possible to apply for a bigger bond with home loan providers at low interest rates, plus you can also get various other loans from other institutions at affordable rates.

Having mortgage insurance makes originating high loan - to - value (LTV) loans safer for the financial institutions we serve, allowing them to reduce their risk and lend to credit - worthy borrowers who bring less than 20 percent down to the table.

However, P2P lending comes with greater risk for the parties involved than traditional lending with financial institutions.

Investments in CHET Advisor are not guaranteed or insured by the State of Connecticut, the Connecticut Higher Education Trust Program, the Connecticut State Treasurer's Office, Hartford Life Insurance Company, The Hartford Financial Services Group, Inc., the investment sub-advisors for the Underlying Funds or any depository institution and are subject to investment risks, including the loss of the principal amount invested, and may not be appropriate for all investors.

Several companies arrange business credit lines for low - risk borrowers through a network of financial institutions, but the price is high — an additional 10 percent of the line's value on top of the bank's 5 to 9 percent cut.

The first is the insurance risk premium, which stems from the fact that producers of goods for public consumption (such as coffee, base metals, and petroleum), as well as the producers of these raw materials, wish to transfer the risk of price fluctuations to speculators, which in most cases are financial institutions.

Should a consumer have a low credit score, the financial institution may not lend to him or it may charge a higher interest rate as compensation for the extra risk in taking the person on as a customer.

Certificates of deposit (CDs) are low - risk investment vehicles where financial institutions pledge to pay a certain interest rate in exchange for depositing money into an account for a given time period.

In a risk - sharing student loan model — in which educational institutions would have to repay taxpayers for some of the loans their students don't pay — institutions would have stronger incentives to improve the long - term financial outcomes of their students.

Poor credit rating eliminates approval for most sorts of loans and even if approval is possible, the loan conditions are altered to fit the risk implied inside the monetary transaction for the financial institution.

The financial institutions in Europe are slowly finding a way out of the mess and that in effect is creating some interest for higher risks among investors.

Why doesn't FDIC set up a safety net for all financial institutions on a risk - based basis?

This is an ugly situation, one that is the product of sloppy monetary policy, poor regulation of financial companies (for two decades), poor risk controls, overlending by government institutions, and a cultural failure where we borrowed too much and saved too little.

The immediate reaction was to sell higher risk assets after Obama called for a reduction in the size and trading activities of financial institutions.

Many of these students would typically be denied for student loans from traditional financial institutions, who evaluate lending risk through credit history and are usually hesitant to lend to international students with little local credit history.

Financial institutions will typically set (risk) limit values for each of the Greeks that their traders must not exceed.

Financial institutions want to see your employment history when you're applying for a loan — people with stable employment histories pose lower risk.

High - earners may run out of options in the same financial institution for opening eligible accounts and risk having a portion of their deposits without FDIC coverage.