The Central Risk was established by act of the 16/05/1962
the ICRC, with the aim of creating a centralized system
risks, fi will allow management more aware of reliable
mandments bank, especially with regard to the phenomenon of
pluriaffi heating (combination of reliable heating
granted by a plurality of banks).
The original structure of the Central Risk
has been a constant evolution, following the changes that intervened in the market
fi nancial and pursuing goals of efficiency
efficiency and stability of the system. The main developments
had as its object both the participants
that the minimum thresholds for reporting, to finish with
the type of information collected. Originally the subjects involved were reported
the banks and the minimum reporting threshold
was very high, early
subjects involved were expanded with the involvement of special credit institutions
together reducing the minimum thresholds
signaling. During the seventies reports
expanded the types of data by introducing the suffering, and indirect risks
coobligati. In the nineties
was carried out a profound innovation, through
the elimination of the minimum of suffering and introducing
reports relating to Italian customers
of Italian banks abroad. Also in these years was the model
introduced so-called "matrix" reports,
with the aim of providing a broader relationship
bank customer. The centralized system of risk is governed by
supervisory instructions issued by the Bank of Italy
following the resolution of the ICRC
of 29/03/1994 (OJ No 91 of 20.4.1994).
should however be noted that in Italy there are other experiences
centralization of risk.
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