SPEECH - Koh Yong Guan said in the speech that the central bank is issuing an industry consultative paper on "credit portfolio stress testing," and the feedback from this will be used to formulate the guidelines. "Financial institutions in Singapore can also expect to receive the MAS risk-management guidelines for market risk, credit risk and liquidity risk management," he added in his opening address at the first ever risk-management conference organized by the monetary authority on 31 January