Xem 1-20 trên 53 kết quả Loan collateral
  • In this chapter, students will be able to understand: Know when to use consumer loans and be able to differentiate between the major types; identify the various sources of consumer loans; choose the best loans by comparing finance charges, maturity, collateral, and other loan terms; describe the features of, and calculate the finance charges on, single-payment loans; evaluate the benefits of an installment loan; determine the costs of installment loans and analyze whether it is better to pay cash or to take out a loan.

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  • Tham khảo sách 'real estate investment in australia', tài chính - ngân hàng, đầu tư bất động sản phục vụ nhu cầu học tập, nghiên cứu và làm việc hiệu quả

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  • The second area of related work is feature modeling and design assembly. The two projects described here are reminiscent of the feature-based modeling and design for assembly or design for manufacturability research prevalent in the late 1980s and 1990s in the AI and Design community (Dixon et al., 1987, Shah, 1991, Shah and Mantyla, 1996). Jung and Nousch (2000) describe a system for designing and fabrication of furniture using computer graphics modeling.

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  • The UK Programme Board identified five key workstre each of which were led by one of the four countries and which are outlined on Page 14 (Box 1). A full list members of each of the workstreams and national steering groups is given at Appendix 2 and we acknowledge the tremendous commitment shown by members and chairs. Underpinning the work of the workstreams were the principles of user involvement, professional education, leadership, and the provision of safe, emotionally satisfying, effective and evidence-based maternity care to meet user needs.

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  • At the same time there were progressively more skeptical views on the impact of securitization on the financial system stability. Some argue that by making illiquid loans liquid securitization could increase, other things being equal, the risk appetite of banks (Calem and LaCour, 2003; Wagner, 2007; and Brunnermeier and Sannikov, 2009). Risk sharing within the financial sector through securitization can also amplify bank risks also at the systemic risk level (Brunnermeier and Sannikov, 2010).

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  • The need for a money market arises because receipts of economic units do not coincide with their expenditures. These units can hold money balances—that is, transactions balances in the form of currency, demand deposits, or NOW accounts—to insure that planned expenditures can be maintained independently of cash receipts. Holding these balances, however, involves a cost in the form of foregone interest. To minimize this cost, economic units usually seek to hold the minimum money balances required for day-to- day transactions.

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  • Suppose that you've nally made your model as simple as possible. At this point your model is probably too simple to be of much interest: it's likely just an example or a special case. But if you have made your model as simple as possible, it will now be much easier to see how to generalize it since you know what the key pieces are that make the model work. Here is where your education can be helpful. At last you can use all those techniques you learned in graduate school. Most of the time you were a student you probably stud- ied various canonical models: things...

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  • The U.S. newspaper industry is in the midst of a historic restructuring, buffeted by a deep recession that has battered crucial advertising revenues, long-term structural challenges as readers turn to free news and entertainment on the Internet, and heavy debt burdens weighing down some major media companies. Eight major U.S. newspaper companies filed for bankruptcy between 2008 and early 2010 (though nearly all have since emerged as reorganized companies), while hundreds of smaller papers went out of business or moved to Web-only publications.

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  • Sperm cells are highly specialized cells that are able to move. Each sperm cell must be able to deliver a haploid set of chromosomes from the male to an egg cell in the female reproductive tract. The structure of a mature sperm cell is well adapted to its function. Almost the entire head of the sperm is the haploid nucleus, the all-important genetic information that is delivered to the egg. Attached to the head of the sperm is a long tail that propels the sperm along.

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  • The issuer sells bonds to capital market investors and the proceeds are deposited in a collateral account, in which earnings from assets are collected and from which a floating rate is payed to the SPV. The sponsor enters into a reinsurance or derivative contract with the issuer and pays him a premium. The SPV usually gives quarterly coupon payments to the investors. The premium and the investment bond proceeds that the SPV received from the collateral are a source of interest or coupons paid to investors.

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  • Overall, the rapid development in the market for credit risk transfer played a major role altering banks’ functions. Structurally, securitization allowed banks to turn traditionally illiquid claims (overwhelmingly in the form of bank loans) into marketable securities. The development of securitization has therefore allowed banks to off-load part of their credit exposure to other investors thereby lowering regulatory pressures on capital requirements allowing them to raise new funds.

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  • As regards collateral, the pledging of collateral increases the PD when compared with unsecured lending. Within secured loans, the PD of those that are 100% secured is lower than that of those secured to a value of over 50% but not to a full 100%, although the latter account for only a small percentage of the sample. Finally, loans guaranteed by a credit institution or the public sector have a lower likelihood of default, less even than in the case of unsecured loans. Note that this latter class of loan is subject to a double evaluation, i.e. by the bank...

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  • Audit committees of public companies and registered investment companies have direct responsibility to oversee the integrity of a company’s financial statements and to hire, compensate and oversee the external auditor. Public focus on how audit committees discharge their responsibilities, including their oversight of the external auditor, has increased significantly. Each year, audit committees should evaluate the external auditor in fulfilling their duty to make an informed recommendation to the Board whether to retain the auditor.

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  • Take for example an investment contract with an annuitisation option where the annuity factor is the same as new annuities offered by the insurer at the time the option is executed. Since the insurer is free to determine the annuity factor, the annuitisation is in substance the formation of a new contract, the terms of which are agreed at the date the option is exercised. The contract cannot therefore be classified as an insurance contract at inception.

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  • Our study of nearly 150 organisations iv , of which 70% had PMOs*, showed that, overall, those organisations with PMOs did not have higher project success rates, but somewhat counter- intuitively, they had lower levels of management satisfaction with the level of project performance and value delivered.

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  • Finally, we refine the accuracy of the computed per- formance model through experimental sampling. We use statistical interpolation between computed and ex- perimental sample points in order to re-approximate the per-application performance models, thus dynamically refining the model. We experimentally show that, by us- ing this method, convergence towards near-optimal con- figurations can be achieved in mere minutes, while an exhaustive exploration of the multi-dimensional search space, representing all possible partitioning configura- tions, would take weeks, or even months.

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  • Bloom Energy’s product is proving an increasingly popular choice for data centres and in March 2012 the company launched its ‘Mission Critical Practice’, a service that aims to secure the energy supply for critical government and business IT systems. By providing highly reliable power independently of the electricity grid, fuel cell systems help to improve data security and minimise the effect of grid disruptions (for more information on this application please refer to the Special Feature on page 30).

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  • Chapter 24 - Managing risk off the balance sheet with loan sales and securitization. This chapter discussed the increasing role of loan sales in addition to the legal and regulatory factors that are likely to affect the future growth of this market. The chapter also discussed three major forms of securitization pass-through securities, collateralized mortgage obligations (CMOs), and mortgage-backed bonds and described recent innovations in the securitization of other FI assets.

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  • Despite the success in controlling ináation, during the late 1990s-early 2000 international capital markets witnessed large swings in stock prices generating concern among academics and policy-makers about the impact of stock price movements on the real economy and the broader consequences of ináation targeting. Kontonikas and Ioannidis (2005) show that an ináation targeting regime with strong interest rate reaction to ináation should lead to lower stock market volatility. On the other hand, the New Environment Hypothesis (NEH, see e.g.

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  • In the United States, women who are HIV positive and are aware of that fact are advised not to breast-feed their infants. Chemicals present in breast milk act together, with time and cold temperatures, to destroy the HIV present in expressed breast milk. The risk to childcare providers who feed children bottles of expressed breast milk is extremely low because the risk of transmission from skin/mucous membrane exposures to HIV is extremely low (probably much lower than...

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