Meridien Research

Credit risk management is undergoing a transformation at financial institutions. Until recently, credit risk management has struggled to adopt automated capabilities. Three developments have combined to permanently alter credit risk management practices. These developments are the advent of tools for active credit portfolio management, the revolution in market risk management techniques, and the globalization of the corporate customer. This report defines three fundamental solution elements for credit risk management solutions, introduces an enterprise credit risk model, discusses several classes of vendor solutions and describes current and future market trends. In this report, the case studies include the implementation of RiskMonitor at Fuji Bank.