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The impact of inaccurate credit information on bank's secured lending
Mtimkulu, Z. M. - 2009
the consequences of inaccurate creditinformation on bank’s secured lending division. The investigation was conducted … that banks are faced with. It wasfound that inaccurate consumer credit data can have a negative impact on bank … are also recommended as the focus of thisresearch was on individual bank’s clients. …
Persistent link: https://www.econbiz.de/10009457727
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Do banks extract informational rents through collateral?
Xu, Bing; Rixtel, Adrian van; Wang, Honglin - 2016
El uso de colateral es una de las características definitorias de los contratos de préstamos. En este trabajo se investiga si la intensidad de la relación entre bancos y prestatarios y la concentración del mercado de los préstamos permiten la extracción de rentas de información a través...
Persistent link: https://www.econbiz.de/10012530517
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Bedeutung der Spezifikation für Ratingmodelle
Rönnberg, Michael - 2010
Ziel dieser Arbeit ist die Untersuchung der Bedeutung der Spezifikation für Ratingmodelle zur Prognose von Kreditausfallwahrscheinlichkeiten. Ausgehend von dem in der Bankenpraxis etablierten Logit-Modell werden verschiedene Modellerweiterungen diskutiert und hinsichtlich ihrer Eigenschaften...
Persistent link: https://www.econbiz.de/10009433704
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The economic basis of syndicated lending
Wild, William - 2004
explantions of loan syndication - that they are hybrids of private bank loans and public debt instruments, that syndication is a … generally larger than other loans. Incidental to this new explanation, new expressions of the return to a bank from providing a … expected return, and the risk, for the originator of a given syndicated loan. Finally, empirical testing finds that a bank …
Persistent link: https://www.econbiz.de/10009438164
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Credit market competition, collateral and firm's finance
Jiménez Zambrano, Gabriel; Salas Fumás, Vicente; …
This paper investigates the relationship between credit market competition and the availability of bank credit for …. Therefore market power in credit markets and collateral appear as substitutes to increase the availability of bank finance under …
Persistent link: https://www.econbiz.de/10012530121
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Asymmetrische Information, Beteiligungsfinanzierung und drohende Überschuldung
Braun, Thomas - 2005
Der vorliegende Beitrag befasst sich mit dem Zusammenwirken von zwei externen Effekten, die jeweils für sich eine effiziente Kapitalallokation behindern können.Zum Einen geht es darum, dass unter Umständen an sich Erfolg versprechende Investitionsgelegenheiten nur deswegen nicht realisiert...
Persistent link: https://www.econbiz.de/10009452511
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An evaluation of the South African National Credit Act and the implications for credit users
Luttig, Helmuth Hartwig - 2010
ENGLISH ABSTRACT: The National Credit Act came into being on the 1st of June 2007 and besides its other objectiveswas intended to make credit more accessible to all South Africans, to stop unreasonable practicesby lenders and to protect consumers against reckless lending. This research study...
Persistent link: https://www.econbiz.de/10009442165
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Elasticities of Demand for Consumer Credit
Karlan, Dean S.; Zinman, Jonathan - 2005
The price elasticity of demand for credit has major implications for macroeconomics, finance, and development. We present estimates of this parameter derived from a randomized trial. The experiment was implemented by a consumer microfinance lender in South Africa and identifies demand curves...
Persistent link: https://www.econbiz.de/10009444167
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Pengaruh Variabel Makro Terhadap Pengeluaran Konsumsi Masyarakat Kabupaten/Kota Di Provinsi Sumatera Utara
Simamora, Darwinto Edwinto H. - 2011
Bank Indonesia Medan from 2002 to 2009. Model analysis used is Random Effect Model (REM) with estimation method Generalized …
Persistent link: https://www.econbiz.de/10009464679
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Administration of recoveries in individual insolvency - case studies of two UK banks
Pond, Keith - 2002
Against a background of greater competition, market saturation and falling margins over the past decade UK banks have sought greater efficiencies in credit and risk assessment procedures, especially with personal lending products. In the same way they have attempted to reduce costs associated...
Persistent link: https://www.econbiz.de/10009461193