The credit channel

Besides bank credit, microcredit is an important capital supply channel for the economy. In Vietnam, the poor who cannot access credit capital to develop themselves and create income. Microcredit is mainly unsecured loans, so the risks are quite high, of which the biggest risk is the possibility of losing capital. Meanwhile, curently, the application of Fintech in the field of microcredit is almost negligible, making it impossible for people who need capital, but lenders are afraid of the risk of losing capital.

8p dathienlang1012 03-05-2024 0 0   Download

In Vietnam, the bank acts as a credit intermediary, an important player of the financial market, a main capital channel for the economy, thus banking operations affect and orientate economic development in scale and performance. The sustainability of business in the banking sector is extremely important to the bank’s success in the future, but it is still at an early stage in Vietnam. Based on the research and analysis of banking sector, the study also suggest the solution to develop the Vietnamese banking system toward sustainability.

8p nhanchienthien 25-07-2023 7 5   Download

In the context of the rising economy in Vietnam, some people need to mobilise their capital quickly for business investment, but a loan at a bank or a credit institution often requires troublesome procedures, collateral, and mortgaged property. This paper aims to better understand this popular mobilised capital channel in Vietnam.

3p vipriyankagandhi 27-07-2022 13 2   Download

Lecture Money, banking & finance - Lecture 10: The credit channel. This lecture re-examines the transmission mechanism in the context of the credit channel. It examines the micro-foundations of credit rationing and the channels that describe the credit mechanism.

44p runordie1 10-05-2022 11 2   Download

Based on greater connectivity, higher levels of mobile Internet, improved tech-adoption, and greater trust in online spending, cross-border e-Commerce (CBEC) has now become very attractive and effective channel between sellers and buyers across the world. Especially, the wide use of smartphones accelerate the rapid growth of mobile CBEC, enabling consumers to shop anywhere, at any time of day, from any device, machine or channel.

14p viuchinaga2711 21-10-2021 4 0   Download

This article is based on a study examining the implementation of the CGSs in Indonesia and Vietnam. It shows that critical factors for successful CGSs are including dissemination of the scheme to have a widely coverage of MSMEs, simple application procedure, incentives mechanism for channeling banks and guaranteed borrowers ...

19p viuchinaga2711 21-10-2021 15 1   Download

The main content of this study considers the impact of monetary policy transmission through credit channels under the influence of competitiveness in Vietnamese commercial banks, thereby making policy suggestions for operating monetary policy through credit channels in competitive conditions. However, in order to fill the research gaps, the author also focuses on comparing this effect through different methods of measuring competitiveness.

35p cothumenhmong6 17-07-2020 36 2   Download

This paper examines weather the capital requirements affect the effectiveness of monetary policy from the credit channel. According to the penal data of commercial banks listed on the A-share stock market in China from 2007 to 2017, I find that the capital requirements to the commercial banks affect the bank loans through the credit channel of monetary policy transmission, which is more obviously on the smaller banks. I further use issuance of preferred stocks of commercial banks instead of IPO to confirm the results again.

24p nguyenanhtuan_qb 09-07-2020 25 2   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

The study was conducted in Bishnupur district of Manipur with the overall objectives of analysing the marketing cost and marketing margin, price spread, marketing efficiency of different channels, factors influencing marketing efficiency. Primary data on production, sale to different agencies, prices, marketing cost in different channels etc. were collected from 100 farmers using simple random sampling technique. The vegetables like were sold through three channels viz.

10p chauchaungayxua3 07-02-2020 11 0   Download

The role of different channels in transmitting monetary policy into output and price in Vietnam. The paper investigates the mechanism of monetary transmission in Vietnam through different channels - namely the interest rate channel, the exchange rate channel, the asset channel and the credit channel for the period January 1995 - October 2009.

21p tranminhluanluan 28-05-2018 45 2   Download

Besides the enhanced access to official credit by means of improvement of lending procedures to be more simplified and appropriate to the people’s level of knowledge, flexible in terms of the repayment time and borrowed amounts, the officialisation of the other credit channels make positive impacts on the creation of sources of capital for rural households, given its efficiency.

10p thanos1 16-05-2018 48 3   Download

The approach is applied to sustainable social marketing channels for agroforest commodities, notably non -timber products and services. Their development will often benefit the poor social minorities living near or in forests but will not succeed unless other markets – for inputs, credit, labor, and even foreign exchange – exist and are free of inappropriate policies.

19p thaodien102 16-11-2015 60 3   Download

The passage of salt (NaCl) across a plasma membrane is of primary importance to most cells. The chloride ion (Cl–) usually crosses the plasma membrane because it is attracted by positively charged sodium ions (Na+). First sodium ions are pumped across a membrane, and then chloride ions simply diffuse through channels that allow their passage. As noted in Figure 4.2a, the genetic disorder cystic fibrosis results from a faulty chloride channel. Ordinarily, after chloride ions have passed though the membrane, sodium ions (Na+) and water follow.

148p commentcmnr 03-06-2013 52 7   Download

Migrants have various options for sending remittances: money transfer companies (Western Union, MoneyGram, etc.) or credit card companies; regular mail service; financial transfers through banks, credit unions or the various transfer options offered by companies (e.g. supermarkets or through mobile phones); informal channels such as couriers, or more sophisticated channels such as the ‘Hawala’ and ‘Hundi’ transfer systems; 16 or hand-carried by migrants themselves.

250p enterroi 02-02-2013 54 6   Download

Critical features of a sound investment climate include a sensible governance system that allows firms and farms to pursue productive activity without harassment, contracts and property rights to be respected and corruption to be reduced. Equally important is an infrastructure that allows private entrepreneurs and their employees to operate effectively. Competition and, where necessary, regulation are essential to channel private initiative in socially useful directions.

31p bi_ve_sau 17-01-2013 53 3   Download

As, in accordance with the acting banking regulations in Bulgaria bank are required to take collateral, the prior is that, in the case of proper screening, there would be a positive association between bank lending and the fixed capital ratio. Size is another variable that would allow to test the credit channel hypothesis. The prior is that a credit squeeze is more likely to affect smaller firms. Several variables reflect the specificity of bank lending in a transitional environment.

33p enterroi 01-02-2013 40 3   Download

One of our main goals in analysing the flows of corporate credit is to trace the effect of a policy shock, such as the introduction of the CBA on the determinants of these flows. The theoretical literature suggests that policy may have an effect on credit supply and demand in various ways. Thus changes in monetary policy do affect banks’ and firms’ behavior due to the existence of a transmission mechanism through which monetary shocks affect real economic performance.

51p enterroi 01-02-2013 48 4   Download

The excess demand thus drives up sales prices, which given an unchanged nominal income of private households leads to a revision of real consumption plans. The increase in sales prices in turn leads to a redistribution of real incomes from the household to the corporate sector. Thus profits in the business sectors increase which in the national accounting end up as retained profits and hence saving by the corporate sector.

37p enterroi 01-02-2013 49 4   Download

Consumer access to credit, housing, insurance, basic utility services, and even employment is increasingly determined by centralized records of credit history and automated interpretations of those records. Credit histories in one form or another have long been an important factor in decisions to extend or deny credit to consumers 1 . Historically, such decisions required a skilled, human evaluation of the information in an applicant’ s credit history to determine the likelihood that the applicant would repay a future loan in a timely manner.

32p enterroi 01-02-2013 42 5   Download