Showing 1 - 10 of 1,298
This paper endeavours to assess the viability of the FONGS FINRURAL, a nascent network of 09 rural savings and credit …. Regarding the credit delivery, it appears that except ordinary loans, most of the loan products catered for are seasonal or …. To provide such credit products, MFIs rely on three main sources: the deposits, the borrowings and their equity. Most of …
Persistent link: https://www.econbiz.de/10011258176
This article analyzes factors influencing the decisions of prospective lenders to extend credit to small and minority … commercial banks)are four times more likely to deny credit to firms owned by African-Americans than to firms owned by Non …-Hispanic whites, and are twice as likely to deny credit to firms owned by Asian-Americans than to firms owned by Non-Hispanic whites …
Persistent link: https://www.econbiz.de/10005616652
(such as credit or market risk), and the measurement of losses due to OR events and the requirement of regulatory capital …
Persistent link: https://www.econbiz.de/10005789468
This study examines how the introduction of deposit insurance affects a banking system, using the deposit-insurance scheme introduced into the Russian banking system as a natural experiment. The fundamental research question is whether the introduction of deposit insurance leads to a more...
Persistent link: https://www.econbiz.de/10005789735
This paper measures that the Bank of Japan adopted the too-big-to-fail doctrine against the panic of 1927. The results at this paper imply that supported banks had higher closure risk or occupied key positions in the local loan-markets. And this paper finds that the Bank of Japan bailed out...
Persistent link: https://www.econbiz.de/10005790115
Previous research has focused on equity as a prime determinant of mortgage default propensities. This paper extends the analysis of mortgage default to include mortgages that require no down payment from the purchaser. A continuous time hazard model is used to estimate the conditional...
Persistent link: https://www.econbiz.de/10005790477
In 1991, Congress passed the Federal Deposit Insurance Corporation Improvement Act (FDICIA). The Act provided for risk-based deposit insurance premiums, put explicit limits on the application of a “too big to fail” principle for banks and required that examiners implement “prompt...
Persistent link: https://www.econbiz.de/10005835744
Since banks are among the most important sources not only of finance but also of external governance for firms, the corporate governance of banks is a crucial factor for growth and development. Despite its importance, this topic has been explored only by a few studies. While some authors...
Persistent link: https://www.econbiz.de/10005836074
force. This new decree brings some new aspects in credit risk regulation. The aim of this paper is to characterize the main … changes in credit risk regulation due to Basel II and to outline the effects on the availability of loans for nonfinancial … companies. According to the new rules, the bank’s capital charge is calculated to capture credit, market and operational risk …
Persistent link: https://www.econbiz.de/10005836492
I develop a dynamic model of bank runs that allows me to study important phenomena such as the role of information externalities and herd behavior of depositors as a source of bank runs. I show that eliminating bank runs completely, even they can be generated by herd behavior of depositors, has...
Persistent link: https://www.econbiz.de/10005836831