Search results for "credit"
showing 10 items of 503 documents
Elektronisko norēķinu attīstības analīze
2016
Pasaulē šobrīd elektronisko norēķinu veidi ir plaši pieejami, arī Latvijas bankas aktīvi izplata elektronisko norēķinu palīgrīkus, piedāvājot internetbankas un maksājuma karšu komplektus. Darba autors noskaidro Latvijas elektrisko norēķinu tirgus gatavību pāriet no skaidrās naudas maksājumiem uz elektroniskiem norēķiniem, analizē elektronisko norēķinu attīstības tendences. Autors vispirms aplūko elektronisko norēķinu vēsturisko pusi. Pievērš uzmanību spēkā esošo likumu normatīviem regulējumiem. Veic elektronisko norēķinu tirgus analīzi, atklāj nākotnes attīstības tendences. Sniedz informāciju par elektronisko norēķinu riskiem, norēķinu drošības un risku novēršanas pasākumiem Uz darba gaitā …
Credit Demand and Supply Shocks in Italy During the Great Recession
2018
In this paper, we use Structural VAR analysis to disentangle credit demand and supply shocks and their eFFect on real economic activity in Italy during the 2008-2014 crisis period. The three endogenous variables considered are the loan interest rate, the loans growth rate and the employment to population ratio. The data are observed at annual frequency for each of 103 Italian provinces. The structural shocks are identified through heteroscedasticity, by letting the variance of the shocks to switch across four Italian macro-regions: North, Centre, South and Islands. Sign restrictions are used to interpret ex post the structural shocks. The empirical findings suggest a more important role of …
Misura delle performance finanziarie e patrimoniali delle aziende agricole: proposta operativa per un nuovo modello di rating per le aziende agricole
2012
La profonda evoluzione dei sistemi agricoli negli ultimi anni hanno accresciuto l'attenzione di tutti gli attori istituzionali ed economici rispetto alla problematica dell'accesso al credito per le imprese. Nel passato molto spesso il credito in agricoltura ha usufruito di regimi "speciali"; con l'implementazione delle regole di Basilea 2 (più di recente Basilea 3), le condizioni per l'accesso al credito si sono notevolmente irrigidite. Nell'ambito del settore agricolo, la pressoché assenza di bilanci certificati rende particolarmente difficoltosa questa valutazione. Nel presente lavoro, dopo aver analizzato la letteratura in materia di valutazione del merito creditizio delle aziende agrico…
Credit reporting e intermediazione creditizia: scelte di “make or buy” tra relationship e transaction banking.
2016
Il presente lavoro prende in esame, con una prospettiva di analisi economico-aziendale, il ruolo del mercato del credit reporting nell’esercizio della funzione creditizia delle banche, nonche il vario articolarsi delle scelte di make-or-buy informativo nella catena del valore dell’intermediazione creditizia, tra approcci di relazione di clientela di tipo relationship banking e transaction banking. In particolare, il lavoro e volto a sistematizzare le teorie ed a comprendere le determinanti del ricorso delle banche al mercato dell’informazione creditizia. Il paper e strutturato nel modo seguente. La sezione 2 introduce il tema dell’economia dell’informazione nel mercato creditizio. La sezion…
Coordinated energy management using agents in neighborhood areas with RES and storage
2016
This study proposes a novel coordination mechanism for smart homes in a small-scale neighborhood. This mechanism deploys a price and incentive-based energy management algorithm that considers renewable energy sources and battery storage. The objective of the proposed coordination algorithm is to decrease the electricity bills of the smart homes by increasing renewable energy usage inside the neighborhood, and enabling electricity trading among smart homes. The neighborhood is modeled using multi-agent systems, and heuristic problem solving is used by deploying a genetic optimization and rolling-horizon technique for day-ahead scheduling of the electricity appliances. Simulation results show…
Six-years-long effects of the Italian policies for photovoltaics on the grid parity of grid-connected photovoltaic systems installed in urban contexts
2017
Abstract The purpose of this study is investigating the grid parity (GP) time and the levelized cost of energy (LCOE) of grid-connected photovoltaic (PV) systems installed in densely urbanized contexts. The analysis, which was elaborated for three Italian cities, considered the effects of the promoting policies enacted by the Italian government from June 2010 to May 2016. An appropriate methodology was applied with the aim of realistically defining the energy produced by PV systems installed on buildings with different roof types and number of floors. The calculus of the disbursements considered the operating, maintenance and insurance costs and the wear of PV panels and inverters. The resu…
The Energy System of Sicilian Region, Italy: 2014 situation and evolutionary trends
2015
The development of reliable energy scenarios are become increasingly more important and crucial due to scientific interest but also because it is essential for the deployment of effective energy policies in the territory. The depletion of Fossil Fuels and the need for the most industrialized countries to achieve the target of a sustainable development have induced important national, European and global initiatives. These actions have led to major changes on each energy system of countries and regions, contributing to the evolution of new local energy systems. In this paper, the Authors have collected, processed and analyzed the data concerning the evolution and changes of the Sicilian ener…
Rôle des institutions de microfinance dans le financement de l’entrepreneuriat féminin
2020
Microfinance Institutions (MFIs) are responsible for lending money to people who do not have sufficient collateral to access the formal banking system. These organizations participate in the development of entrepreneurship by funding women's projects. Several actors, who intervene around this contractual relationship between MFIs and women, may follow different objectives and interests, which can be a source of inefficiency. This contribution examines the determinants of the credit supply of MFIs intended for female entrepreneurship in the 8 countries of the West African Economic and Monetary Union (UEMOA). Our results show that if the volume of subsidies, equity and indebtedness of MFIs ha…
Credit Risk Versus Performance in the Romanian Banking System
2017
Abstract The Romanian banking sector, predominantly governed by the capital of foreign banks, is, as well as other international banking sectors, under the sign of the necessary balance that should exist between risk and performance. This is a result of banks trying to take risks that they can control, given that they need to generate financial results that are satisfactory for all categories of bank creditors, namely shareholders, depositors and other lenders. In this paper, I wanted to analyze the risk situation assumed by the main banks in the system versus the performance gained in recent years. This article is part of a wider research, so I will refer only to the main risk assumed by a…
Determinantes de la estructura financiera de las empresas españolas
2015
El objetivo de este trabajo es identificar los factores determinantes de la composición de la estructura de capital de las empresas, utilizando datos de una muestra de empresas españolas de la base de datos SABI. A tal fin se ha utilizado un modelo en el que se considera que el nivel de endeudamiento se determina por las características y la estructura financiera de las empresas. Los resultados obtenidos permiten concluir que las decisiones de las empresas, respecto de su estructura de capital, no se explican por una única teoría. Por su parte, el endeudamiento aumenta con el tamaño de las empresas hasta alcanzar un nivel máximo, y a partir del cual la relación decrece. Las empresas más end…