Traduction de «Exigences en matière de garanties » (Français → Anglais) :

The four issues are as follows: the prohibition of financing for existing leasehold improvements, issues concerning related borrowers, borrower security requirements and due diligence requirements, and reporting requirements.

If you look at all of these four areas we talk about, reporting requirements, collateral requirements, etc., the vast majority, virtually 9 out of 10 business owners, say no, I have not noticed any changes this year versus last, either in my loan status or the loan conditions, collateral requirements, etc.

1. A CCP shall regularly review the models and parameters adopted to calculate its margin requirements, default fund contributions, collateral requirements and other risk control mechanisms.

Those internationally recognised valuation standards contain high level principles which require creditors, amongst others, to adopt and adhere to adequate internal risk management and securities management processes, which include sound appraisal processes, to adopt appraisal standards and methods that lead to realistic and substantiated property appraisals in order to ensure that all appraisal reports are prepared with appropriate professional skill and diligence and that appraisers meet certain qualification requirements and to maintain adequate appraisal documentation for securities that is comprehensive and plausible.

(b) financial security requirements and nuclear liability limits in other countries and under international agreements respecting nuclear liability;

Mr. Brien Gray: The collateral issue is a very serious one for the small business owner-operator, although I must be fair to the financial institutions themselves and say that over the last, say, 10 years, the collateral requirements on average have come down.