To date this document is almost a methodological and methodical framework to improve management of banking risks after the financial shocks in 2007-2008 As noted in the report, the primary source of damage to financial institutions was the concentration of exposure to risk for the securitization of mortgage loans, as mentioned institutions have the risks that far exceeded their volumes. In addition, most cases the management of banks, too relying on mechanisms redistribute risks underestimated the complexity of structured finance products