Lending rate

Money and Banking: Lecture 36 provides students with content about: target federal funds rate and open market operation; discount lending, the lender of last resort and crisis management; reserve requirements; linking tools to objectives;... Please refer to the lesson for details!

16p hanlamcoman 26-11-2022 9 2   Download

Management of financial institution: Lecture 4. The main topics covered in this chapter include: role of central bank; interest rate interventions; policy instruments; credit lending policy by state bank; open market operations;... Please refer to the content of document.

32p tieuvulinhhoa 22-09-2022 18 3   Download

The paper examines the factors impact on the bank’s liquidity risk for 12 Vietnamese commercial banks during the period from 2007 to 2017. The results show that there is a significant positive relationship between Return on Assets, loans to total assets, lending rate and liquidity risk ratio.

8p vihassoplattner 07-01-2022 17 1   Download

In this chapter, you will learn to: Describe the role of financial intermediaries, differentiate between bonds and stocks and show why their prices are inversely related to interest rates, explain how the financial system improves the allocation of saving to productive uses, discuss the three functions of money and how the money supply is measured, analyze how the lending behavior of commercial banks affects the money supply, explain how the central bank controls the money supply and its relation to inflation in the long run.

41p tradaviahe15 23-02-2021 14 1   Download

Countries with a high investment GDP ratio benefit from better, competitive products and services. Which increases capital stock for production, more employment, and income; in turn reducing social and income disparities. The Kenyan government envisaged a sustained economic growth of 10% by investing in priority sectors; to become an industrialized middle-income country by the year 2030; though un-achieved to date.

65p nat_qb73 21-02-2021 20 2   Download

In this chapter, you will learn to: Describe the role of financial intermediaries, differentiate between bonds and stocks and show why their prices are inversely related to interest rates, explain how the financial system improves the allocation of saving to productive uses, discuss the three functions of money and how the money supply is measured, analyze how the lending behavior of commercial banks affects the money supply, explain how the central bank controls the money supply and its relation to inflation in the long run.

15p nanhankhuoctai10 23-07-2020 8 1   Download

The following will be discussed in this chapter: Credit rating agencies, mortgage brokers, secondary mortgage markets, the mess, evolution of home mortgage, new model of mortgage lending, private sub prime mortgage process, reasons for forming of subprime mess.

29p nanhankhuoctai9 23-07-2020 14 3   Download

– This paper uses the dynamic stochastic general equilibrium model and calibrates a version of the Carlstrom and Fuerst’s (1997) agency cost model of business cycles with timevarying uncertainty in the technology shocks that affect capital production. To highlight the differences between the US and European financial sectors, the paper focuses on two key components of the lending channel: the risk premium associated with bank loans and the bankruptcy rates.

22p nguathienthan5 03-06-2020 17 1   Download

This paper examines the impact of economic and financial factors on tax revenue of Bahrain and Oman from 1990 to 2010. For this purpose, panel regression analysis is performed by considering economic and financial factors including growth domestic product (GDP), Deposit Interest Rate, Lending Interest Rate, Interest Rate Spread, Real Interest Rate, Bank Capital to Asset Ratio, Bank nonperforming loans to total gross loans, Risk premium on lending, Foreign direct investment net inflow and Cash surplus deficit.

8p kelseynguyen 26-05-2020 39 3   Download

Chapter 6 - Measuring and calculating interest rates and financial asset prices. In this chapter you will explore the important relationships between the interest rates on bonds and other financial instruments and their market value or price; you will be introduced to the many different ways lending institutions may calculate the interest rates they charge borrowers for loans;...

28p thuongdanguyetan03 18-04-2020 27 2   Download

The prime objective of the study was to investigate the effect of domestic currency devaluation on trade balance in Ethiopian over the period 1974-2016. To address the objective, ARDL and Error Correction Model were applied. The ARDL bound test result shown that There is a long run relationship between real effective exchange rate, real domestic income and lending interest rate.

12p tociitocii 24-04-2020 36 1   Download

This paper models loan rate-setting behavior, taking into account the product pricing and performance of the borrowing firm, and also calculates the bank’s loan-risk sensitive equity values. The lending function creates the need to model bank equity as a capped call option, which captures the credit risk directly related to management of a firm’s operations.

16p nguyenminhlong19 21-04-2020 20 1   Download

This study investigates how Vietnamese commercial banks respond to countercyclical monetary policy. At first glance, the empirical findings suggest the asymmetrical response of Vietnamese commercial banks to countercyclical monetary policy to be competitive and monetary authority successfully utilizes monetary policy instruments to achieve its objectives. In light of the known characteristics of the Vietnamese economy, the empirical results may be alternatively interpreted as the consequence of graft maximizing behavior of bank management operating in a corrupt and opaque environment.

33p nguyenminhlong19 21-04-2020 12 0   Download

This paper provides an in-depth study on the history and evolution of Commercial Bank characteristic factors and other Macroeconomic variables on the financial industry performance indices in Nigeria from 1977 to 2010. The work employed a 3-stage procedure in the assessment of Commercial Bank characteristic factors and other Macroeconomic variables on Total Credit, Investment, and Commercial Bank Lending and Deposit Rate. The essence is to assess the impact of environmental factors on efficiency of commercial banks in Nigeria within the period of study.

12p covid19 19-04-2020 28 3   Download

In regulatory and competitive environments increasingly tight, banks have been forced to constantly improve their internal rating models. Despite the increased supply models and statistical approaches that has been proposed to them, the answer to the question: how much to lend ? remains always at the discretion of the credit risk manager. The aim of this paper is to propose a statistical approach that allows an estimation of the maximum facility bank overdraft (limits) that the credit risk manager may allow coorporate and to identify the determinants of this limits.

16p trinhthamhodang2 21-01-2020 24 0   Download

This paper investigates whether investors in P2P online lending platforms in China are rational. In China, most P2P platforms run a guarantee mechanism using loan loss provision. I take into account the effect of the guarantee mechanism on loan's cash flow and calculate expected internal rate of return of each loan. The empirical results show evidence against rationality assumption. Firstly, expected return calculated under guarantee mechanism of a loan in China is not only affected by systematic risk, but also by idiosyncratic risk.

15p trinhthamhodang2 21-01-2020 18 1   Download

Using data collected from a leading P2P platform in China, this paper empirically tests the discrimination of investors on the occupational identity of borrowers in online lending. I find that P2P investors discriminate against borrowers who are salary earners in terms of occupational identity while preferring borrowers who are private entrepreneurs. Moreover, this kind of discrimination can be found in borrowers both with high credit ratings and low credit ratings.

1p chauchaungayxua2 19-01-2020 9 1   Download

The paper uses the secondary data of 26 banks with 182 observations for the period of 2008–2014 and applies the panel data regression method. The empirical results indicate that lending scale, credit risk, capitalization, and interest rate have positive impacts on net interest margin.

12p danhnguyentuongvi27 18-12-2018 46 2   Download

The paper discusses methods of identifying the optimal lending rate for microfinance institutions and focuses on the application of internationally-acclaimed CGAP (Consultative Group to Assist the Poor) model to identifying the lending rate for microfinance institutions.

11p danhnguyentuongvi 18-12-2018 17 0   Download

The following will be discussed in this chapter: Discount lending, the lender of last resort and crisis management; reserve requirements; linking tools to objectives; targets and instruments.

16p tangtuy20 28-07-2016 53 2   Download