Xem 1-20 trên 89 kết quả Credit relations
  • Consumer financing have become increasingly important in the private sector of Pakistan for the last two decades. With the new reforms in the banking sector, the marketing of financial products has become very competitive, creating a needfor strategizing the marketing efforts. This study investigates the shift of Pakistani consumers towards the use of plastic money, with emphasis on credit cards. A survey of consumers holding (at least) one or no credit card were used for data collection.

    pdf12p toan184 11-01-2011 130 12   Download

  • PDi and LDi are aimed at testing the incidence of adverse selection: whether firms in poor financial health and/or facing liquidity constraints are more likely to seek and get access to bank credit. In the case of the liquidity dummy there is no ambiguity about the causality and the interpretation of the results in terms of adverse selection. However, in the case of the profitability dummy, again we cannot fully eliminate the endogeneity problem because – as mentioned before – firm’s profit/loss position may affect also bank’s decision to extend the loan.

    pdf49p enterroi 01-02-2013 24 8   Download

  • Pursuant to the FSF mandate, the questionnaire circulated to member authorities solicited their individual views on potential unintended consequences of their use of credit ratings in LRSPs (ie, the appearance of a “seal of approval”). In preparing their responses to this portion of the questionnaire, member authorities were not expected to conduct any independent research on the issue, but instead simply to convey their broad impressions and preliminary views.

    pdf32p enterroi 01-02-2013 23 6   Download

  • Further, in Canada, asset default factors for preferred shares, where rated, are based on the rating agency grade. For financial leases where rated, and the lease is also secured by the general credit of the lessee, the asset default factor is based on the rating agency grade.

    pdf30p enterroi 01-02-2013 26 4   Download

  • We apply our method in a variety of bank credit decisions: the credit capacity decision for a constrained consumer, the credit limit for new credit card products, and the monthly pay- ments a§ordable for a mortgage borrower. We choose these settings to focus in on loan product customers whose credit application outcome is determined by the bank (supply determined). Furthermore we apply our analysis to this variety of settings to produce population represen- tative results.

    pdf37p enterroi 01-02-2013 19 3   Download

  • The proposed amendments would require certain advertisements for “free credit reports” to include prominent disclosures designed to prevent consumers from confusing these “free” offers with the federally mandated free annual file disclosures available through the single centralized source.

    pdf51p lenh_hoi_xung 21-02-2013 12 3   Download

  • Even if all credit data regarding consumers held at credit repositories were accurate, complete, and current, there would be significant concerns about the fairness of automated credit scoring programs. Converting the complex and often conflicting information contained in credit reports into a numerical shorthand is a complex process, and requires a significant number of interpretive decisions to be made at the design level.

    pdf60p enterroi 01-02-2013 15 2   Download

  • Consistent with real-life credit-card and subprime mortgage contracts but (we argue) inconsistent with natural specifications of rational time-consistent theories, in the competitive equilibrium of our model firms offer seemingly cheap credit to be repaid quickly, but introduce large penalties for falling behind this front-loaded repayment schedule. The contracts are designed so that borrowers who underestimate their taste for immediate gratification both pay the penalties and repay in an ex ante suboptimal back-loaded manner more often than they predict or prefer.

    pdf19p enter1cai 12-01-2013 16 1   Download

  • You may request that consumer reporting agencies do not distribute your name on lists used by creditors and insurers to make unsolicited offers of credit and insurance. Requests can be made by telephone or in writing by filling out a form available from each credit reporting agency. For telephone requests, call (888) 5 OPT OUT to be excluded from Experian, Equifax, and Trans Union. Telephone requests last for two years; written requests are permanent.

    pdf18p enter1cai 12-01-2013 25 1   Download

  • Credit events may be defined in terms of downgrades, events that could instigate the default of one or more counterparties, or other credit-related occurrences.2 Swaps involve some risk of disagreement about whether the event has, in fact, occurred, but in this discussion of valuing the credit swap, such risk of documentation or enforceability will be ignored. In the event of termination at the designated credit event, Party A pays Party B a stipulated termination amount.

    pdf15p enter1cai 12-01-2013 16 1   Download

  • The main objectives of the studies are: (i) To systematize, deepening the theoretical issues related to efficient state management of credit activity diversification; (ii) To apprise the situation and the results of credit activity diversification; to identify the causes, the weakness in the credit activity of the local commercial banks, especially, to analyse the situation of state manangement in credit activity diversification of the commercial banks and to identify factors affecting the results of state manangement in diversification of credit activity of the commercial banks in HCM City...

    doc44p change05 14-06-2016 6 1   Download

  • In recent years a number of OECD countries experienced a rapid increase in housing market activity, which coincided with a period of low real and nominal interest rates. The link between the two is intuitive: low interest rates make credit cheaper and increase the demand for housing. Some scholars argue that expansionary monetary policy has been signicantly responsible for this low level of interest rates and the subsequent house price boom (Hume and Sentance (2009) and Taylor (2009)).

    pdf200p taisaovanchuavo 23-01-2013 20 9   Download

  • This category features the broadest application of the use of credit ratings. Member authorities from every jurisdiction submitting responses indicated that their LRSPs contained provisions using credit ratings for the purpose of determining net or regulatory capital, and more LRSPs are applied to capital requirements than to any other category of use. Credit ratings were generally used in those LRSPs as a means of mapping credit risks to capital charges or risk weights.

    pdf149p enterroi 01-02-2013 29 8   Download

  • OF all branches of economic science, that part which relates to money and credit has probably the longest history and the most extensive literature. The elementary truths of the Quantity Theory were established at a time when speculation on other types of economic problem had hardly yet begun. By the middle of the nineteenth century when, in the general theory of value, a satis- factory statical system had not yet been established, the pamphlet literature of money and banking was tackling, often with marked success, many of the subtler problems of economic dynamics.

    pdf0p enterroi 01-02-2013 21 6   Download

  • The presence of the lagged dependent variable Ci(-1) has a dual interpretation. On the one hand, it reflects relationship banking in the vein of the literature discussed in section 2.1. Long-term enterprise-bank relations help to reduce information asymmetries; banks would be more willing to lend again if they have already done so (we consider the banking sector as a whole as the lending party). On the other hand, a positive association can be interpreted as evidence of soft budget constraints on the part of the banks in the sense of Berglof and Roland (1998).

    pdf30p enterroi 01-02-2013 35 6   Download

  • The standards in this report harmonise and, where appropriate, strengthen the existing international standards for payment systems (PS) that are systemically important, central securities depositories (CSDs), securities settlement systems (SSSs), and central counterparties (CCPs). The revised standards also incorporate additional guidance for over- the-counter (OTC) derivatives CCPs and trade repositories (TRs).

    pdf280p enterroi 02-02-2013 20 6   Download

  • The diversity of experiences across Africa, Latin America, and the rest of the world notwithstanding, there are some commonality of lessons that help translate them into findings that can aid countries that have not as yet had the same experiences. These commonalties of experiences within very different countries are important, whether the experience relates to the autonomy of decisionmaking, to decentralization, or to private sector participation.

    pdf124p thangbienthai 22-11-2012 17 5   Download

  • Although social funds projects started with the short-term emergency objective, they are increasingly incorporating longer term service deliv- ery and capacity-building goals. The Portfolio Review found that around 80 percent of recent social funds projects, that is, those approved in fis- cal years 1994–96, had long-term objectives. As the objectives of social funds projects evolve over time, their design and implementation need to change as well. The yardsticks used to monitor performance should reflect evolving objectives.

    pdf7p thangbienthai 23-11-2012 19 5   Download

  • Debt settlement companies required consumers to pay an up- front fee to join a debt assistance program that would eliminate the debt for a fraction of the amount owed. Many offered to refund the fee if the customer did not save a specified amount of money. Some groups claiming to be non- profit organizations offered debt counseling services targeting consumers with poor credit histories to help them obtain loans and credit cards or settle debts.

    pdf133p quaivattim 01-12-2012 28 5   Download

  • The so called portfolio approach to credit supply (for an overview see Fase (1995)) starts with the assumption that banks maximize a utility function under a set of balance sheet constraints which allows to derive directly credit supply functions. However, the derivation assumes a perfect financial market while treating the private sector (comprising the corporate and household sectors) as one homogeneous entity. These limitations restrict the use of this model when trying to address the specific issues related to corporate finance in imperfect markets.

    pdf87p enterroi 01-02-2013 19 5   Download

Đồng bộ tài khoản