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Information Sharing in Property Appraisal to Reduce Collateral Risk in Banking

Author

Listed:
  • Mehmet Yazıcı

    (İstanbul Arel University)

  • Erkut Baloğlu

    (Eurobank Tekfen A.Ş.)

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.

Suggested Citation

  • Mehmet Yazıcı & Erkut Baloğlu, 2012. "Information Sharing in Property Appraisal to Reduce Collateral Risk in Banking," Journal of Finance Letters (Maliye ve Finans Yazıları), Maliye ve Finans Yazıları Yayıncılık Ltd. Şti., vol. 27(97), pages 38-62, October.
    • Handle: RePEc:acc:malfin:v:27:y:2012:i:97:p:38-62
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    More about this item

    Keywords

    Appraisal; Property Appraisal; Information Sharing; Credit Bureau; Banking;
    All these keywords.

    JEL classification:

    • D83 - Microeconomics - - Information, Knowledge, and Uncertainty - - - Search; Learning; Information and Knowledge; Communication; Belief; Unawareness
    • G14 - Financial Economics - - General Financial Markets - - - Information and Market Efficiency; Event Studies; Insider Trading
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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