Search results for "credito"

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.

Alegacion juridica por los acreedores del Lugar de Alfarrasì, contra Don Luis Ruiz, dueño de dicho Lugar sobre que este se deve vender en virtud de…

1745

Hi ha a la fi 2 f. ms. sobre el mateix assumpte Port. amb orla tip. Grav. xil de Sant Josep a port. Caplletra ornada Text a 1 col. - Postil·les. - Reclams Sign.: [A]-H2

Alegacion juridica por los acreedores del Lugar de Alfarrasì, contra Don Luis Ruiz, dueño de dicho Lugar sobre que este se deve vender en virtud de l…

Hi ha a la fi 2 f. ms. sobre el mateix assumpte Perdecedeix al tít.: Jesus, Maria, Joseph Signat a la fi per Bernardo Bas Port. amb orla tip Grav. xil de Sant Josep a port Caplletra ornada Text a 1 col. - Postil·les. - Reclams Sign.: [A]-H2

How Law Affects Lending

2006

A voluminous literature seeks to explore the relation between law and finance, but offers little insights into dynamic relation between legal change and behavioral outcomes or about the distributive effects of law on different market participants. The current paper disentangles the law-finance relation by using disaggregate data on banks’ lending patterns in 12 transition countries over a 8 year period. This allows us to control for country level heterogeneity and differentiate between different types of lenders. Employing a differences-in-differences methodology in an exclusive ”laboratory” setting as well as unique hand collected datasets on legal change as well as changes in bank ownersh…

Spillovers through banking centers: a panel data analysis of bank flows

2003

Abstract This paper presents evidence that spillovers through bank lending contributed to the transmission of currency crises during the recent episodes of financial instability in emerging markets. The innovation of the paper is that it looks beyond aggregated measures of contagion into the structure of bank flows, disaggregating by banking centers. The main findings are that spillovers caused by banks’ exposures to a crisis country help predict flows in third countries after the Mexican and Asian crises, but not after the Russian crisis. In the latter, there is evidence of a generalized outflow from emerging markets. The importance of spillovers through banking centers suggests that count…

The Role of Capital and Liquidity in Bank Lending: Are Banks Safer?

2020

The aim of this paper is to examine whether and to what extent bank capital requirements and liquidity standards influence the level of bank stability. Our approach is that both capital and liquidity affect lending growth, which in turn affects bank stability. We construct a panel dataset on a sample of 2,054 commercial banks from 117 developed and developing countries during the 2000–16 period. By applying a two-stage least squares (2SLS) empirical methodology, our findings show that capital and liquidity have a negative direct impact on the level of bank stability. However, this influence is counteracted by an indirect positive effect through the increased level of credit. Our results are…

The Legacy and the Tyranny of Time: Exit and Re-Entry of Sovereigns to International Capital Markets

2018

We use a novel continuous-time Weibull model (without and) with a change-point in the duration dependence parameter to investigate the duration of the exit and re-entry of sovereigns to international capital markets. Relying on annual data for a large panel of countries over the period 1970-2011, we find that, as the reputation of debtor countries as good (bad) borrowers solidifies over time, those episodes are more likely to end - i.e. the "legacy of time". Debtor countries can take advantage of the "benefit of doubt" of creditors during short exit spells. However, when exits are long and the reputation as a bad borrower emerges, no more "complacency" makes it more difficult for them to bo…

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 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…

Factoring

2011

Una sintesi efficace dei più importanti problemi di inquadramento sistematico della figura del factoring, aggiornata alla luce delle ultime e significative pronunce giurisprudenziali e corredata da ampia bibliografia. Particolare attenzione viene dedicata alle questioni più dibattute concernenti la cessione dei crediti futuri, la sorte del contratto in caso di fallimento del cedente ( ora alla luce del nuovo art. 78 l.f.), la rilevanza del comportamento del debitore ceduto con riferimento ad un (presunto) dovere di informazione.