Straipsnyje nagrinėjamos Lietuvos finansinio tarpininkavimo sektoriaus, kurio pagrindą sudaro bankininkystės sektorius, tendencijos šalies ekonomikoje, pateikiami bankininkystės sektoriaus poveikio ekonomikos vystymuisi teoriniai aspektai. Taikant statistikos modelius, tiriama ekonomikos...

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...

Under UK Insolvency law creditors face a strategic choice when dealing with someinsolvent individual debtors. Since 1986 Individual Voluntary Arrangements (IVAs) havebeen available to return better recoveries than bankruptcy but returns are subject to agreater degree of uncertainty.In this paper...

Over the last ten to fifteen years, and in response to the huge growth in demand for unsecured consumer credit, UK banks have reviewed, automated, de-skilled and streamlined traditional credit assessment techniques. In pursuit of margin and market share, today’s due diligence relies...

An increase in the credit rating on an organisation?s debt is generally perceived positively, as higher credit ratings are, in the main, associated with lower perceived volatility in the market value of the assets of the entity that has issued the debt. If banks price their assets to realise a...

The study of financial stability has become the cornerstone of modern macroeconomic policy particularly for developed countries. The recent global financial crisis has underscored the importance of understanding financial instability especially in the context of managing credit risk with...

In June 2004 the Committee published a revised framework for the international convergence of capital measurement and capital standards, known as Basel II. The proposal includes a formal capital charge against operational risk in the business activities of banks. The calculation of an...

The role of economic capital has grown significantly in recent years. Although not a regulatory requirement, an increasing number of financial institutions use economic capital for such purposes as measuring and managing the performance of people, products, risk exposures, and to manage and...