Search results for " loan"
showing 10 items of 46 documents
L'accesso al credito immobiliare
2018
The essay deals with the issue of the various forms of financing real estate purchases with particular regard to the new types of contracts designed specifically to facilitate access to credit, such as rent to buy, the real estate lifetime loan, the real estate credit to businesses and the real estate credit to consumers
L’escussione stragiudiziale accelerata delle garanzie reali nella proposta di Direttiva sui crediti deteriorati (NPL)
2019
The Proposal for a Directive of the European Parliament and of the Council on credit servicers, credit purchasers and the recovery of collateral aims to reach the goal of improving the secondary market of Non Performing Loans also through a Non-judicial Enforcement that should consent creditors to enforce collaterals faster than pursuing judicial remedies. The Paper discusses this desired objective highlighting how it lacks of attention for third party creditors and how it seems still leaving room for a judicial intervention to ensure their rights.
La gestione dei crediti deteriorati nell’economia delle aziende di credito: alcune riflessioni.
2020
Il tema dei crediti bancari deteriorati, quale manifestazione del rischio di credito nei bilanci bancari, ha assunto una particolare rilevanza per i molteplici riflessi su economia e gestione delle banche, mercato del credito, imprese, risparmiatori, autorità di regolamentazione e vigilanza nazionali e internazionali. Le banche sono invitate ad operare una rapida ed efficiente gestione dei crediti deteriorati, al fine di garantire la stabilità del sistema bancario e l’erogazione del credito all’economia. Il tema si presta a diverse prospettive di indagine. Con il presente lavoro ci si limiterà a formulare, dopo una breve introduzione, alcune riflessioni con particolare riferimento al contes…
Banca e credito nel rapporto con le imprese: note finali.
2016
In questo capitolo vengono tracciate le conclusioni di questo percorso di ricerca. Il volume è rivolto ad un pubblico di studenti, imprenditori, manager, professionisti e personale bancario, e intende porsi come uno contributo conoscitivo utile alla comprensione delle linee evolutive dei rapporti creditizi banca-impresa, in un contesto istituzionale e competitivo caratterizzato da una crescente complessità tecnica ed operativa dell’attività creditizia, da un’incessante innovazione finanziaria, da una continua evoluzione della tecnologia informatica e telematica, e dalla complessa armonizzazione e unificazione della regolamentazione e vigilanza dell’industria bancaria europea.
Il rapporto banca-impresa tra transaction banking e relationship banking: la ricerca condotta nella provincia di Caltanissetta.
2016
In questo capitolo saranno esposti i principali contributi teorici ed empirici della letteratura economico-finanziaria sul relationship banking e transaction banking utili alla lettura e interpretazione dei comportamenti aziendali adottati dalle banche nell’esercizio della complessa e articolata funzione creditizia. Infatti, il vario articolarsi della soft e hard information nell’economia e gestione della banca influenza significativamente la valutazione del merito di credito dell’impresa richiedente fondi, gli approcci strategico-organizzativi alle relazioni creditizie banca-impresa e, in ultima analisi, l’efficienza ed efficacia dell’intermediazione creditizia bancaria.
Network-Based Computational Techniques to Determine the Risk Drivers of Bank Failures During a Systemic Banking Crisis
2018
This paper employs a computational model of solvency and liquidity contagion assessing the vulnerability of banks to systemic risk. We find that the main risk drivers relate to the financial connections a bank has and the market concentration, apart from the size of the bank triggering the contagion, while balance sheets play only a minor role. We also find that market concentration might facilitate banks to withstand liquidity shocks better while exposing them to larger solvency chocks. Our results are validated through an out-of-sample forecasting that shows that both type I and type II prediction errors are reduced if we include network characteristics in our prediction model.
L’aportació del Gazophylacium catalano-latinum, de Joan Lacavalleria, a la terminologia catalana
2017
The publication in 1696 of the Catalan-Latin dictionary Gazophylacium Catalano-Latinum by Joan Lacavalleria led to the incorporation into Catalan of a large number of technical terms, in spite of the early modern sociocultural context being unfavourable to scientific and technical developments. The Gazophylacium is the Catalan version of a French-Latin dictionary, Le Dictionaire royal augmente by Francois-Antoine Pomey. Therefore, Lacavalleria may be considered as an initiator of the systematic transfer procedure of terminological units of French origin into Catalan, which were also adopted by many other languages of culture until well into the twentieth century, and that favoured the circu…
THE ANALYSIS OF THE ROMANIAN BANKING SYSTEM EVOLUTION IN THE IMPORTANT MILESTONES FROM ITS HISTORY
2014
One of the national systems most often marked by various internal and international macroeconomic evolutions over time was the banking system. In this paper I intend to analyze the main developments of the banking system in the outstanding moments in its history, starting with a brief characterization of the banking system before 1990, moving then towards an analysis of the developments recorded in the watershed years (1992, 1998, 2007) and getting to the current situation using several representative indicators. This analysis allows me to place in historical and current coordinates, the subject of a more extensive research aimed at highlighting the impact that Basel III will have on Romani…
INFORMATION CHANNELS INFLUENCING THE HOUSEHOLDS’ DECISION OF HOME LOAN PROVIDERS
2012
With rapid growing of competitiveness in the Latvian commercial banking, and resemblance of services offered by banks, it has become significantly important that banks detect the information sources influencing the customer choice of banks of financial products. The relevant literature indicates that a great deal of research effort has been expended to investigate bank selection criteria for broad categories of customers. One promising segment, which, arguably, has not been given enough attention, is the households group. Home loans products make the markets that had the huge increase before crisis. The great fall of interest rates along with the offering of new, more flexible and attractiv…
La financiación de la adquisición de viviendas: crecimiento y sus repercusiones para las cooperativas de crédito españolas
2001
La financiación de viviendas ha sido durante los últimos veinte años la actividad de crédito bancario más dinámica. A lo largo de ese período se han producido transformaciones significativas que han dotado al mercado hipotecario de una gran flexibilidad y de altas dosis de competencia. Antes de las reformas de los años 80 era un mercado con fuertes limitaciones y restringido a cajas de ahorros y al Banco Hipotecario de España. A partir de entonces se ha flexibilizado la obtención de recursos y se ha permitido la entrada de nuevos agentes. No obstante, a la hora de elegir una entidad a la hora de solicitar un crédito para adquisición de una vivienda, las familias han tenido en cuenta, además…