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{{propApi.successMessage}} {{region}} Change locationLending is a Risky Business
Lending is a Risky Business
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In the years since the Global Financial Crisis (GFC), Australia’s financial market and banking regulators have sought to create an ‘unquestionably strong’ financial system. This decade of reforms have reduced risk in the system has come at a cost. This cost is borne by first time home buyers who are being forced out of the market, which is contributing to the decline in home ownership.
The collapse of several major financial institutions in the US and Europe during the GFC led banking regulators around the world, including Australia, to review the regulatory landscape for the banking sector. There have been substantial changes for the industry over the ensuing decade. Given that residential mortgage lending was at the epicentre of the GFC, this has been a key focus of financial system regulators.
Concerns of a financial contagion spreading to Australia led the Government to take the unprecedented action to guarantee deposits of the major banks. Since this time, Treasury and other regulatory agencies have been working to reduce the risk of residential mortgage business within the banks for fear that they may once again be required to assume the banks’ risk.
It is worth noting that while the GFC led to an increase in impaired loans, the share of lending that this affected was still very small. At its worst in mid-2010, impaired loans by ADIs (authorised deposit-taking institutions) accounted for only 1.6 per cent of lending. This figure includes all forms of lending, many of which are considered much higher risk than residential mortgage lending. This was small compared with the experience of banks in other jurisdictions during the GFC.
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