Xem 1-20 trên 169 kết quả Credit information
  • The complex system for reporting and reviewing credit involves a large number of participants who fall generally into one of six categories: consumers; data repositories; data users; data furnishers; credit reporting agencies; and analytical service providers. Approximately 190-200 million consumers have credit reports maintained by the three major credit repositories (Experian, Equifax, and Trans Union) 9 .

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  • Financial institutions are increasingly measuring and managing the risk from credit exposures at the portfolio level, in addition to the transaction level. This change in perspective has occurred for a number of reasons. First is the recognition that the traditional binary classification of credits into “good” credits and “bad” credits is not sufficient— a precondition for managing credit risk at the portfolio level is the recognition that all credits can potentially become “bad” over time given a particular economic scenario.

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  • Since 1967, the College-Level Examination Program (CLEP) has provided nearly five million people with the opportunity to reach their educational goals. CLEP participants have received college credit for knowledge and expertise they have gained through prior course work, independent study, or work and life experience. Over the years, the CLEP examinations have evolved to keep pace with changing curricula and pedagogy. Currently the examinations represent courses typical of the first two years of college study, stressing the areas of liberal arts and business.

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  • Credit hour is the unit by which an institution measures its course work. The number of credit hours assigned to a course quantitatively reflects the outcomes expected, the mode of instruction, the amount of time spent in class, and the amount of outside preparatory work expected for the class. Considerable variation exists from institution to institution and within a given institution. A semester credit hour is the most commonly used system of measuring course work and is usually based on at least a 14-17 week calendar.

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  • Inferences made about the correlation between individual traits and credit scores, irrespective of place of residence The macro-level analysis (# 1) based on ZIP Code characteristics can produce valid inferences about “individuals that reside in poorer ZIP Codes,’ or “individuals that reside in areas with large minority concentrations,” but not about minority individuals or poor individuals per se; data limitations prevent any direct inferences about the relationship between credit scores and individual characteristics such as race/ethnicity or so...

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  • The wealth of data now available allows us to estimate which quantitative indicators are weighed most heavily in the determination of ratings, to evaluate the predictive power of ratings in explaining a cross-section of sovereign bond yields, and to measure whether rating announcements directly affect market yields on the day of the announcement. Our investigation suggests that, to a large extent, Moody’s and Standard and Poor’s rating assignments can be explained by a small number of well-defined criteria, which the two agencies appear to weigh similarly.

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  • Others may allow repayment over a fi xed period (the “repayment period”), for example, 10 years. Once approved for a home equity line of credit, you will most likely be able to borrow up to your credit limit whenever you want. Typically, you will use special checks to draw on your line. Under some plans, borrowers can use a credit card or other means to draw on the line. There may be other limitations on how you use the line. Some plans may require you to borrow a minimum amount each time you draw on the line (for example, $300) or keep a minimum amount outstanding. Some plans may also...

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  • ECTS is based on the principle that 60 credits measure the workload of a fulltime student during one academic year. The student workload of a full-time study programme in Europe amounts in most cases to around 1 500 to 1 800 hours per year and in those cases one credit stands for around 25 to 30 working hours. • Credits in ECTS can only be obtained after successful completion of the work required and appropriate assessment of the learning outcomes achieved.

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  • Chapter 6 - The role of financial information in valuation and credit risk assessment. After reading the material in this chapter, you should be able to: The basic steps in business valuation using free cash flows and abnormal earnings, why current earnings are considered more useful than current cash flows for assessing future cash flows, the expanding use of fair value measurements in financial statements, what factors contribute to variation in price-earnings multiples.

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  • Many people say they know what SQL injection is, but all they have heard about or experienced are trivial examples. SQL injection is one of the most devastating vulnerabilities to impact a business, as it can lead to exposure of all of the sensitive information stored in an application’s database, including handy information such as usernames, passwords, names, addresses, phone numbers, and credit card details.

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  • General scanners have a broad list of attributes in mind and spend a minimal amount of time matching resumes to their criteria. Usually, they start by doing a quick scan, looking for the obvious scoop on the person: Did he go to a top school? Has she worked for good companies? What functional knowledge does he have? It’s best if this information is prominent and comes immediately to the eye. If they like what they see, then they’ll read through the entire resume. This approach is fairly typical of the way an investment banking team...

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  • The field of machine learning is concerned with the question of how to construct computer programs that automatically improve with experience. In recent years many successful machine learning applications have been developed, ranging from data-mining programs that learn to detect fraudulent credit card transactions, to information-filtering systems that learn users' reading preferences, to autonomous vehicles that learn to drive on public highways. At the same time, there have been important advances in the theory and algorithms that form the foundations of this field....

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  • In recent years many successful machine learning applications have been developed, ranging from data mining programs that learn to detect fraudulent credit card transactions, to information filtering systems that learn user’s reading preferences, to autonomous vehicles that learn to drive on public highways. At the same time, machine learning techniques such as rule induction, neural networks, genetic learning, case-based reasoning, and analytic learning have been widely applied to real-world problems.

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  • Welcome to the second edition of the Trade Finance Guide: A Quick Reference for U.S. Exporters. This guide is designed to help U.S. companies, especially small and medium-sized enterprises (SMEs), learn the basic fundamentals of trade finance so that they can turn their export opportunities into actual sales and achieve the ultimate goal of getting paid—especially on time—for those sales. This guide provides general information about common techniques of export financing.

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  • ETP2010 will build on the success of earlier editions, by providing decision makers with more detailed practical information and tools that can help kick-start the transition to a more secure, sustainable and affordable energy future.

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  • China’s rural financial system has changed dramatically over the last twenty five years, but rural financial reforms were lagging behind changes in the real economy and required further economic transition. As in other countries moving towards a market economy, the reform of banking systems and the creation of efficient financial markets in China continues to be among the most difficult reform issues. Poorly functioning official financial markets push rural population to rely on informal institutions.

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  • Forecasting credit portfolio risk poses a challenge for the banking industry. One important goal of modern credit portfolio models is the forecast of the future credit risk given the information which is available at the point of time the forecast is made. Thus, the discussion paper “Forecasting Credit Portfolio Risk“ proposes a dynamic concept for the forecast of the risk parameters default probabilities and default correlations.

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  • Progress Microfinance has been implemented through two actions, both of which are managed by EIF. They are: 1) a guarantee instrument to providers of micro-credit (funded entirely by the European Commission); and 2) a structured investment vehicle set up under Luxembourg law, the European Progress Microfinance Fund, funded by the European Commission and the EIB.

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  • To gain a better understanding of the possible role of credit in improving house- hold food security and alleviating poverty in Malawi, in November 1994 the Inter- national Food Policy Research Institute and the Department of Rural Development, Bunda College of Agriculture, University of Malawi, initiated a research program on rural financial markets and household food security in Malawi. The main objective of the research program was to analyze the determinants of access to credit in Malawi and its impact on farm and nonfarm income and on household food security.

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  • A 1992 study conducted by Arthur Andersen , commissioned by the Associated Credit Bureaus (now known as the Consumer Data Industry Association) used a different methodology to conclude that the error rate was much lower. This study reviewed the behavior of 15,703 consumers who were denied credit based on a credit grantor’ s scoring system. From this sample, 1,223 consumers (7.8%) requested their credit report from the issuing credit repository, and 304 consumers (1.9% of the total sample) disputed the information on the report. Of these, 36 disputes (11.

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