INTERNATIONAL PRACTICES IN THE VALUATION OF MOVABLE ASSETS FOR LOAN COLLATERAL PURPOSES
DOI:
https://doi.org/10.5281/zenodo.21362352Keywords:
movable assets, collateral valuation, secured lending, International Valuation Standards, credit risk, collateral registry, artificial intelligence, automated valuation models, blockchain, digital finance.Abstract
The valuation of movable assets plays a crucial role in modern secured lending by enabling
financial institutions to accurately determine collateral value and effectively manage credit risk. This study
examines the theoretical foundations and international practices of movable asset valuation for loan collateral
purposes. It analyzes legal frameworks, internationally recognized valuation approaches, professional valuation
institutions, and collateral registration systems in the United States, the United Kingdom, Germany, Singapore,
China, and Türkiye. The study also highlights the growing role of digital technologies, including artificial
intelligence, automated valuation models, blockchain, big data, and machine learning, in improving valuation
accuracy and transparency. Based on international experience, the paper identifies the key factors influencing
the effective valuation of movable assets and provides recommendations for strengthening collateral valuation
systems and promoting more efficient secured lending practices in developing financial markets.
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