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In this paper, logistic regression models containing random effects are explored as a means of simulating the decision process of commercial loan officers. Empirical Bayes estimates, determined with the EM Algorithm, are calculated for the random parameters. Analysis of data from a major...
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banks to offer loans with repayment through automatic payroll deduction, which, in effect, turns future income into … collateral. We estimate the impact of the new law using auto loans as a control group. The law has caused a reduction in interest …
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nearly 163,000 new loans and bond issues in the USA and internationally during the period January 1992 through December 2005 …
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Purpose – As a major agricultural province in central China, Hubei Province mainly carries out the peasant household credit investigation system through rural credit cooperatives (RCCs). The purpose of this paper is to evaluate the efficiency of the peasant household credit investigation...
Persistent link: https://www.econbiz.de/10009143433
variables that affect the decision to use loan guarantees and the volume of loans with interest assistance. Design …
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difficulties being in need of more funding and hence more likely to get its bank loans renewed. Additionally, it was found that the …
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technique. The dependent variable in the model is quality of bank assets, proxied as the proportion of non-performing loans (NPL …) to total loans; while operating efficiency, profitability, asset liquidity, loans to deposits ratio, predictability of …
Persistent link: https://www.econbiz.de/10009391957