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Global housing markets

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  • This volume is the second in our Wharton School Publishing– Milken Institute Series on Financial Innovation. It is dedicated to moving beyond the residential mortgage problems in recent years and looking ahead to new financial innovation solutions for fixing housing markets.

    pdf215p namde01 08-04-2013 40 10   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 41 10   Download

  • There are several actors involved in the development of marketing communications and their subsequent dissemination to the target audience. The key relevant actors are illustrated in Figure 3. Food manufacturers and food retailers (and their respective trade associations and representative bodies) range from large global food and non-alcoholic beverage producers to small local vendors and kiosks, including supermarkets and quick- service restaurant chains.

    pdf92p dangsuynghi 15-03-2013 43 6   Download

  • A number of OECD countries experienced an environment of low interest rates and a rapid increase in housing market activity during the last decade. Previous work suggests three potential explanations for these events: expansionary monetary policy, capital inflows due to a global savings glut and excessive financial innovation combined with inappropriately lax financial regulation. In this study we examine the effects of these three factors on the housing market.

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  • This study contributes to solving the problem of an aging population by providing important information that determines feasible annuity payments for the homeowners of reverse mortgage products and by promoting the implementation of mortgage loans. From the empirical analysis, we demonstrate that demand for reverse mortgages recently took a big jump after the 2008 global financial crisis because housing prices gradually declined, which generated home equity conversion preferences in the United States. This study also examines loan-level reverse mortgages and presents a number of findings.

    pdf18p trinhthamhodang2 21-01-2020 70 0   Download

  • Social media is not the only emerging channel P&G is using to connect directly with consumers. In November 2011 the company announced a partnership with a start-up called Mobeam to distribute digital coupons via mobile phones. The companies plan to begin testing the solution—which requires enhancements to existing handsets—in 2012. Diageo is another CG manufacturer that has also turned to social media—Facebook specifi cally—to enhance its consumer marketing efforts and drive retail beverage sales. The global spirits maker expanded its brands’ collective fan base from 3.

    pdf22p nhacchovina 22-03-2013 61 9   Download

  • Since the mid 1990s there has been a significant growth in the aggregate size and number of global property funds, largely fuelled by the investment of significant capital from institutional investors. This falls into two broad types: the 'core' universe and the 'opportunity' universe. This growth has seen fund managers launching new funds and raising more capital at a time when many have been unable to show clear evidence that their funds have provided historic out-performance against market benchmarks or performance objectives.

    pdf16p hongphuocidol 04-04-2013 36 5   Download

  • Despite the gatekeeper role that these scoring systems play regarding access to credit, housing, insurance, utilities, and employment, as well as pricing for those essentials, exactly how the formulas perform the transformation from credit report to credit score is a closely guarded secret. For consumers, regulators, and even industry participants who rely on the computations in their decision-making, the scoring models largely remain a “black box.

    pdf56p enterroi 01-02-2013 41 4   Download

  • The run-up to the 2008 global nancial crisis was characterised by an environment of low interest rates and a rapid increase in housing market activity across OECD countries. Some scholars argue that expansionary monetary policy has been signicantly responsible for the low level of interest rates and the subsequent house price boom. Others contend that a scarcity of nancial assets led to capital inows to developed economies, depressing long rates in government bond markets and stimulating an increase in demand for housing.

    pdf36p taisaovanchuavo 23-01-2013 56 4   Download

  • Some previous studies have looked at whether the structure of the mortgage market plays a role in the propagation of monetary policy shocks. Calza et al (2009) and Assenmacher-Wesche and Gerlach (2010) nd that higher mortgage market development amplies the effects of monetary policy shocks on housing variables. Both studies estimate panel VARs across two groups of countries, classied according to their degree of mortgage market development using various cross-sectional indicators. Our approach is similar to theirs but differs in three important ways.

    pdf43p taisaovanchuavo 23-01-2013 35 4   Download

  • To capture several features of housing booms, we look at three variables: real credit to the private sector, residential investment and real house prices. Apart from interest rates, all variables are in logs. The data is taken from the OECD Economic Outlook, the IMF International Financial Statistics (IFS), and the BIS Macro database. The variables and data sources are listed in the appendix. We estimate the model on quarterly data over the period of the Great Moderation from 1984 Q1 to 2007 Q2 with two lags.

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  • Our study constitutes a basis for further analyses of the equilibrium level of credit in the economy and investigations of ¯nancial stability. In order to prove this, we note that the econometric analysis in this article have been replicated and extended by Serwa (2011) to build a model identifying both normal and boom regimes in the credit market. In turn, Rubaszek (2011) have calibrated a version of the model including housing to data on the banking sector in Poland. His results suggest that incorporating housing in the model signi¯cantly increases the volume of credit in the economy. ...

    pdf64p enterroi 01-02-2013 54 3   Download

  • The crisis has highlighted the need to improve risk management strategies at both the system-wide and institutional levels in the financial services industry. It has demonstrated that efforts limited to specific institutions or jurisdictions are insufficient to address a problem that is global in scope. New thinking is required to rebuild a damaged financial system.

    pdf32p mebachano 01-02-2013 40 2   Download

  • THE ECONOMY IS DUMBING UP. THE SIGNS ARE ALL AROUND. TRULY unique, differentiated, and downright innovative products and services are creating waves and promising great returns. This creative upshift is happening with good reason. During the 1980s pretty much every company embraced quality; in the 1990s they reengineered their business processes and set up in-house knowledge (or, at least, information) systems. Doing things faster, smarter, and more reliably has become the expected norm; it no longer provides much by way of market excitement or sustainable advantage.

    pdf217p lyly_5 23-03-2013 41 2   Download

  • Lecture 12 - Products for the bop market (con't). The following will be discussed in this chapter: Products for the bop market; three products: insurance, housing; finance, and remittances; managing informality risk; building the industry.

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  • Lecture 13 - Three products: insurance, housing finance, and remittances. In this lecture we take a close look at three products: insurance, housing finance, and remittance transfers. We selected these products because they have strong growth potential and are well enough developed that best practices are emerging and growth is under way.

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  • Lecture 14 - Three products: insurance, housing finance, and remittances (cont). The following will be discussed in this chapter: Health insurance, Zurich FSG and BancoSol, housing finance, some creative approaches, mibanco housing finance loans.

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  • The financing of microfinance is especially appealing for international and investment banks, because they can use their status and deal-structuring creativity to bring microfinance institutions to new kinds of investors. The following will be discussed in this chapter: Service delivery vs. financing, in-house vs. partnerships, social responsibility positioning.

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  • The following will be discussed in this chapter: Products for the bop market; three products: insurance, housing finance, & remittances; models and corporate choices; commercial banks as microlenders;...

    ppt19p nanhankhuoctai9 23-07-2020 6 0   Download

  • The US subprime turmoil that first emerged in August 2007 and morphed into an international financial crisis following the bankruptcy of Lehman Brothers in September 2008 was a shock that affected output globally (BIS (2009)). Long before Lehman’s failure, fear of counterparty defaults had disrupted interbank funding markets, including both secured and unsecured money markets.

    pdf10p doipassword 01-02-2013 46 3   Download

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