Xem 1-20 trên 150 kết quả Credit policy
  • This paper studies the responses of residential property and equity prices, inflation and economic activity to monetary policy shocks in 17 countries, using data spanning 1986-2006. We estimate VARs for individual economies and panel VARs in which we distinguish between groups of countries on the basis of the characteristics of their financial systems. The results suggest that using monetary policy to offset asset price movements in order to guard against financial instability may have large effects on economic activity.

    pdf35p thuytinh_den 11-07-2010 94 16   Download

  • In this view of the saving-investment nexus, aggregate credit expansion comes before saving. The process of credit-expansion here starts with the wish of an entrepreneur to get some means of payment to invest into some new equipment or simply to buy intermediary products or hire workers in order to star, expand or start production. The financial system with the support of the central bank then expands the money supply ex nihilo (“out of nothing”) and lends the newly created liquidity to the firms.

    pdf68p enterroi 01-02-2013 23 5   Download

  • Dobrinsky et al. (2001) conjecture that some specific types of soft budget constraints in a transitional environment may emerge as a result of distortions in incentive structures. In particular, distorted incentives may have an effect both on the determinants of credit supply and credit demand. 2 In turn, incentive structures are a reflection of the institutional environment and the conduct of economic policy in the broader sense. Consequently, policy reforms and policy shocks can be expected to affect the determinants of credit flows both on the supply and the demand side.

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  • 2. be present at, or make-up, a Club dinner meeting that is ... sign-in sheet, make-up card, or other assurance) to credit the member with attendance for that ...

    pdf4p tuanhung 12-06-2009 43 4   Download

  • 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 primary purpose of this study is to measure the level of disproportionate impact between credit scores and race/ethnicity, and credit scores and socioeconomic status. Disproportionate impact is defined as the bivariate relationship between credit scores and the independent variable of interest, such as race/ethnicity or income. That is, for purposes of measuring the level of disproportionate impact, no attempt is made to control for possible confounding variables, or factors that might explain a disproportionate impact should one be identified.

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  • The Securities and Exchange Commission (“Commission” or “SEC”) has prepared this Report on the role and function of credit rating agencies in the operation of the securities markets in response to the Congressional directive contained in the Sarbanes-Oxley Act of 2002 (“Sarbanes-Oxley Act”).

    pdf34p enterroi 01-02-2013 22 3   Download

  • After studying this chapter, you should understand: How firms manage their receivables and the basic components of a firm’s credit policies, how to analyze the decision by a firm to grant credit, the types of inventory and inventory management systems used by firms, how to determine the costs of carrying inventory and the optimal inventory level.

    ppt28p tangtuy02 08-03-2016 4 3   Download

  • designated circumstances exist, and the regulatory commentary emphasizes that credit privileges must be timely reinstated when those circumstances cease.20 One way that an association can meet this responsibility is by monitoring an affected line of credit frequently enough to assure itself that the condition permitting the suspension or reduction continues to exist.21 Alternatively, an association may require borrowers to request reinstatement of credit privileges.

    pdf6p enter1cai 12-01-2013 12 2   Download

  • Chapter 13 - The tools and goals of central bank monetary policy. After completing this unit, you should be able to understand how the policy tools available to central banks work in carrying out a nation’s money and credit policies; to explore the strengths and weaknesses of the various monetary policy tools; to learn how the Federal Reserve System controls U.S. credit and interest rate levels; to see how central bank policy actions affect a nation’s economic goals.

    ppt51p tangtuy10 04-05-2016 5 2   Download

  • After studying Chapter 10, you should be able to: List the key factors that can be varied in a firm’s credit policy, and understand the trade-off between profitability and costs involved; eeplain how the level of investment in accounts receivable is affected by the firm’s credit policies; critically evaluate proposed changes in credit policy, including changes in credit standards, credit period, and cash discount;...

    ppt11p tangtuy17 05-07-2016 4 2   Download

  • debt protection, identity theft protection, credit score tracking, and other products that are supplementary to the credit provided by the card itself. This bulletin outlines the Consumer Financial Protection Bureau’s (“CFPB” or “the Bureau”) expectation that institutions under its supervision and their service providers offer such products in compliance with Federal consumer financial law.

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  • Finally, international (foreign currency) credit can also put upward pressure on the real exchange rate, as borrowers exchange foreign for domestic currency for the purchase of domestic goods or assets. With a fixed exchange rate (or within a currency area), real exchange rate appreciation can take the form of relatively rapid inflation. For a country with an independent currency, real exchange rate appreciation can result from either nominal appreciation or relatively rapid inflation.

    pdf11p enter1cai 12-01-2013 22 1   Download

  • Complacency is dangerous, especially in a rapidly changing world. For decades, Japanese bankers were complacent with a rapidly growing economy and with cozy relationships with government bureaucrats who pursued policies that virtually eliminated traditional banking risks. Rapid economic growth, for instance, provided a steady flow of deposits, which in turn financed corporate expansion. Rapid economic growth fur- ther fueled corporate profits and asset inflation that made the repayment of loans almost...

    pdf204p 951847623 09-04-2012 114 50   Download

  • 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.

    pdf0p baobinh1311 25-09-2012 41 14   Download

  • This book has almost nothing to do with the current housing and credit crisis. Wolf only says in the last couple of pages that part of the world savings glut was recycled in excess US residential investment. And, that's it.

    pdf269p tieungot 24-01-2013 31 12   Download

  • While prominence in health policy greatly affects the size of the PHI market – in terms of population coverage, contribution to health financing or scope of government interventions – there is no necessary link between the three factors. There are sizeable PHI markets in a range of health systems with diverse mixes of public and private financing. The size of PHI markets may also result from consumer demand for better choice and more comprehensive cover, even where there is little stimulation through policy levers.

    pdf242p quaivatxanh 01-12-2012 21 8   Download

  • The federal funds market also functions as the core of a more extensive overnight market for credit free of reserve requirements and interest rate controls. Nonbank depositors supply funds to the overnight market through repurchase agreements (RPs) with their banks. Under an overnight repurchase agreement, a depositor lends funds to a bank by purchasing a security, which the bank repurchases the next day at a price agreed to in advance. In 1991, overnight RPs accounted for about 25 percent of overnight borrowings by large commercial banks.

    pdf97p taisaovanchuavo 23-01-2013 24 8   Download

  • Data set weights are used to adjust for sampling and response rates, and to provide estimates of Wisconsin’s total household population using the sample data. A new procedure for developing data set weights was used with the 2008 Family Health Survey. The 2008 FHS sample included only landline telephone numbers, but ever-increasing numbers of people are using only cell phones, with no landline telephone service. Researchers are learning that the characteristics of cell-phone-only users differ from characteristics of people who use landline telephones.

    pdf34p quaivatxanh 01-12-2012 25 7   Download

  • Our results suggest that both monetary policy and capital inows shocks have a signicant and positive effect on house prices, credit to the private sector and residential investment. The effects of both shocks are greater in countries with a higher degree of mortgage market development, with the effect of monetary policy shocks roughly doubling. This suggests that excessive nancial innovation may act as a propagation mechanism. The existence of mortgage-backed securities has a much larger effect on the transmission of capital inows shocks.

    pdf41p taisaovanchuavo 23-01-2013 27 7   Download

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