Moreover, some factors, including increasing prosperity and wealth associated in part with rapid gains in labor productivity and earning power, should help support house prices in the future and thereby reduce the risk of a sizable correction in which prices actually fall across a large number of localities. Finally, concerns have been expressed about the level of debt in our economy, especially household debt.
For this, instead of relying on collateral, the bank developed a new credit scoring system and new methods of measuring default and counterparty risk as also new marketing methods. •  Securitisation will enable banks to target profit growth from asset turnover based business rather than the Balance Sheet.