19 See OECD (2015), “OECD Regulatory Policy Outlook 2015”, OECD Publishing, May 2015. 20 www.mcmasterforum.org/ 21 www.financial-education.org/join_INFE.html 22 See stats.bis.org/frame/ and Boissay, Cantú, Claessens, and Villegas (2019),” Impact of financial regulations:  insights from an online repository of studies”, BIS Quarterly Review, March 2019. 7/7  BIS central bankers' speeches
Better, more-informed lending practices should also lead to a more-efficient allocation of scarce financial capital to the benefit of the economy at large. Greater internal transparency and quantification of risk have helped bank managers monitor portfolio performance and identify aspects of the risk-measurement and credit-granting process that begin to move off track.