Search results for "Credit"

Il mercato del credito dal locale al globale

2011

Principio di specialità e applicabilità della disciplina delle pratiche commerciali scorrette nel settore del credito

2012

Il saggio segue criticamente l'evoluzione della giurisprudenza amministrativa fino alla svolta rappresentata da una serie di pronunce dell'Adunanza Plenaria del Consiglio di Stato, che hanno adottato il principio di specialità per norme quale criterio di delimitazione dell'applicazione tra discipline settoriali e disciplina generale contro le pratiche scorrette.

The impact of criminality on the riskiness of cooperative credit banks in Italy: a macro regional approach

2017

In Italy, Cooperative Credit Banks (CCBs), unlike large banks, despite the economic downturn, have continued to extend credit to customers, but at the cost of a higher incidence of bad credit. This increased credit risk of local banks has been caused by management policy choices, such as preferring to modify the conditions applicable to credit supply and to engage firms in long-term credit relationships rather than initiating credit recovery procedures. The originality of this empirical analysis lies in its demonstration of the effects of environmental factors related to the spread of crime and lower economic well-being, higher unemployment and poverty in families on the credit market in So…

The impact of criminality on the riskiness of cooperative credit banks in Italy: a macroregional approach

2016

In Italy, Credit Cooperative Banks (CCBs), unlike large banks, despite the economic downturn, have continued to extend credit to customers, but at the cost of a higher incidence of bad credit. This increased credit risk of local banks has been caused by management policy choices, such as preferring to modify the conditions applicable to credit supply and to engage firms in long-term credit relationships rather than initiating credit recovery procedures. The originality of this empirical analysis is due to the demonstration of the effects of environmental factors related to the spread of crime and lower economic well-being, higher unemployment rate and poverty of families on the credit marke…

Essential strategies in HAI prevention and control: performance assessment through the implementation of the HAI-CoSIP tool of the GISIO-SItI group. …

2018

Healthcare-Associated Infections are a great concern for worldwide healthcare systems and represent a considerable threat to patient safety, leading to adverse clinical outcomes. A defined panel of indicators represents a key element to guide Healthcare Organizations towards identification of main gaps, implementation of effective actions and continuous improvements on Healthcare-Associated Infections prevention and control activities. A review on accreditation systems conducted by the Italian Study Group of Hospital Hygiene of the Italian Society of Hygiene Preventive Medicine and Public Health revealed a substantial heterogeneity of implemented standards and led to the development of a co…

Predicting Cryptocurrency Defaults

2019

We examine all available 146 Proof-of-Work based cryptocurrencies that started trading prior to the end of 2014 and track their performance until December 2018. We find that about 60% of those cryptocurrencies were eventually in default. The substantial sums of money involved mean those bankruptcies will have an enormous societal impact. Employing cryptocurrency-specific data, we estimate a model based on linear discriminant analysis to predict such defaults. Our model is capable of explaining 87% of cryptocurrency bankruptcies after only one month of trading and could serve as a screening tool for investors keen to boost overall portfolio performance and avoid investing in unreliable crypt…

Money Invested on Shopping Online and Payment Methods Used: Findings by Recent Survey

2021

Within development of telecommunication, e-commerce is rapidly replacing traditional shopping as well as offering new ways to pay for goods. Payment is one of the main phases of buying decision process and it is crucial to e-commerce, because there is a big possibility that consumer will abandon the shopping cart if preferred payment method is not available. Not only flexible payment options can help company to attract and retain customers, but it also can ensure that company get paid more quickly. The aim of the research is to find out how much money Latvian customers invest when shopping online and which payment methods they use to pay for the purchase on internet in Latvia. Research meth…

Credit-Based Insurance Scores: some Observations in the Light of the European General Data Protection Regulation

2020

Despite the differences between credit risk and insurance risk, in many countries large insurance companies include credit history amongst the information to be taken into account when assigning consumers to risk pools and deciding whether or not to offer them an auto or homeowner insurance policy, or to determine the premium that they should pay. In this study, I will try to establish some conclusions concerning the requirements and limits that the use of credit history data by insurers in the European Union should be subject to. In order to do this, I shall focus my attention primarily on Regulation (EU) 2016/679. This regulation, that came into force on 24 May 2018, not only forms the ba…

- CREDIT RISK AND EFFICIENCY IN THE EUROPEAN BANKING SYSTEMS: A THREE-STAGE ANALYSIS

1999

Increased competition and the attempts of European banks to increase their presence in other markets may have affected the efficiency and credit risk. The first of this aspects is based on the incentive to the banks to reduce cost in order to gain in competitiveness. The second is associated to their lack of knowledge of such markets and/or acceptance of a higher risk in order to increase their market share. Despite the importance of these aspects, banking literature has usually analyzed the effects of competition on the efficiency of banking systems without considering these aspects. The few studies that attempt to obtainrisk adjusted efficiency measures do not consider that part of the ri…

Une introduction à l'économie des faux diplomes

2008

International audience; This paper critiques the multifarious ways whereby academic qualifications may be falsified in the international marketplace. The objectives are fourfold : (1) defining the main terms used such as fake degrees and diploma mills ; (2) providing a brief history of fake degrees and identifying the factors that explain their recent development ; (3) developing a theoretical framework to analyze fake degrees ; and (4) exploring the costs and benefits of this activity and its net impact on a given society. Degrees serve instrumental and ceremonial purposes. It is argued that degree holders may be considered as members of a club. They confer to their holders excludable but …