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Rendering of the loans is one of the main activities of commercial banks, giving the largest income, but at the same … time raising the highest risk. Trying to avoid the risk of non-repayment of the loans, to insure the redemption of the loan … in time and to gain a profit as more as possible commercial banks should give the loans only to the reliable clients …
Persistent link: https://www.econbiz.de/10009478970
asymmetry environment. Loans of private firms, loans without an available credit rating, loans syndicated by less reputable … arrangers, distressed loans, and loans of loss firms are traded at significantly higher bid-ask spreads. Second, timely … incorporation of economic losses into borrowers’ financial statements reduces the bid-ask spread at which their loans are traded …
Persistent link: https://www.econbiz.de/10010724194
We analyze the transmission of bank-specific liquidity shocks triggered by a credit rating downgrade through the lending channel. Using bank-level data for US Bank Holding Companies, we find that a credit rating downgrade is associated with an immediate and persistent decline in access to...
Persistent link: https://www.econbiz.de/10011105397
Every year over 20 states offer sales tax holidays (STHs) on specific items like clothes, shoes and other items to encourage consumption, effecting over 100 million consumers. We use a unique dataset of credit cards transaction to study the spending response to these holidays. Using a...
Persistent link: https://www.econbiz.de/10010292191
Empirical studies on the impact of micro level intervention strategies on poverty among poor women in Botswana are lacking, yet women are a valuable asset for the economy of the country. Continued marginalization and disempowerment of women has become a serious problem which merit urgent...
Persistent link: https://www.econbiz.de/10012043581
This article describes how numerous studies in Botswana have found high levels of poverty among women, in particular, those in female-headed households. Extreme poverty among women continues despite government programme interventions designed to end poverty. This article reports the findings of...
Persistent link: https://www.econbiz.de/10012043598
We investigate the transmission of central bank liquidity to bank deposits and loan spreads in Europe over the January 2006 to June 2010 period. We find evidence consistent with an impaired transmission channel due to bank risk. Central bank liquidity does not translate into lower loan spreads...
Persistent link: https://www.econbiz.de/10011994210
Bank loans are more available and cheaper for new and small businesses in the US in areas with highly concentrated …
Persistent link: https://www.econbiz.de/10011940617
At this final master’s work the market of loans to Lithuanian households is analyzed. Given the methods applied to … analyze credit markets in practice, the long-term and short-term relations between loans to Lithuanian households and other … transactions. Given the rapid growth of loans to Lithuanian households in recent years, the effect of external impulses coming …
Persistent link: https://www.econbiz.de/10009479370
The pass-through of market interest rates to the financial conditions of households and firms represents an essential element in the monetary policy transmission mechanism. In this document, we analyze how this transmission is developing in the current hiking cycle in the euro area and in Spain,...
Persistent link: https://www.econbiz.de/10014377351