Search results for "lending"
showing 10 items of 91 documents
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…
Information providers e information sharing mechanisms nel mercato creditizio italiano.
2015
Il presente lavoro esamina i principali casi aziendali di information providers e sistemi di information sharing operanti nel mercato creditizio italiano, con una prospettiva di analisi prettamente economico-aziendale. Sono analizzati i modelli di business dei primi 5 operatori italiani: Cerved, Crif, Infocamere, Experian, Euler Hermes Siac. Sarà, inoltre, preso in esame il sistema di condivisione di informazioni di natura pubblica, gestito dalla Banca d’Italia, che ha un ruolo di rilievo nel sistema creditizio italiano. Quello che emerge dall’analisi è un quadro molto variegato dei sistemi di informazione creditizia operanti in Italia in quanto, accanto al tradizionale business dell’inform…
Modelli innovativi di lending value chain degli intermediari bancari: implicazioni finanziarie ed economico-aziendali.
2011
L’articolo mette al centro dell’analisi la catena del valore del lending business nell’economia degli intermediari bancari, quale momento qualificante e decisivo per lo studio dei processi di de-integrazione verticale nel settore dell’intermediazione creditizia. Il modello innovativo di business dell’intermediazione creditizia, denominato originate and distribute, ha contribuito a trasformare quasi “geneticamente” l’intermediario bancario, con rilevanti effetti di instabilità sistemica, che hanno interessato la struttura e il funzionamento dei sistemi finanziari.
Il credito alle imprese nell’attuale congiuntura economico-finanziaria: dinamiche di mercato e scelte organizzative bancarie
2014
This paper aims to examine the underlying causes of the sharp reduction in bank lending, which in turn is highlighting some structural weaknesses of Italian firms and financial system. The structure of this paper is as follows. Section 1 introduces the paper. Section 2 analyzes some drivers of the bank loans market in the current financial crisis. Section 3 examines the increasing role of standardized bank lending practices that have enlarged the organizational and strategic differences between transaction-based lending and relationship-based lending. Section 4 concludes.
Integrating Experiences: Palermo Mediterranean Gateway City. Identity and Innovation
2019
Metropolitan transformations of the Palermo as a Mediterranean city, guided by envisioning it as a ‘fluid’ gateway city, have been seen as an example for the planning of other such cities in Italy and Europe. The 2025 strategic vision for Palermo was inspired by three key components: (i) the relevance of Palermo as ‘hub territory’ in European level concerns in territorial and infrastructure development policies; (ii) the urban and regional experience with the concept ‘fluid city’ (envisioning the city as a portal and place of interaction and exchanges, not just in terms of goods and people); and (iii) new metropolitan vision produced by new regional and national legislation on metropolitan …
Structural, mechanical and thermal behavior assessments of PCL/PHB blends reactively compatibilized with organic peroxides
2018
Abstract The efficiency of two commercially available organic peroxides, dicumyl peroxide (DCP) and di-(2-tert-butyl-peroxyisopropyl)-benzene (BIB), during reactive processing of poly(e-caprolactone)/poly(3-hydroxybutyrate) (PCL/PHB) blends was investigated. The changes in chemical structure of PCL/PHB blends, as a function of organic peroxide type (DCP/BIB) and content (in range: 0–1.0 parts by weight - pbw), were characterized by Fourier transform infrared spectroscopy, thermogravimetric analysis combined with infrared spectroscopy, and headspace analysis combined with gas chromatography with flame ionization detector. Performance properties of PCL/PHB blends were evaluated based on diffe…
What drives the disintegration of the loan origination value chain in the banking business
2015
Purpose - The purpose of this paper is to analyze the vertical disintegration of the bank loan origination value chain. This paper conducts a study on the credit information market from the perspective of the bank's decision to vertically disintegrate the loan origination value chain. The main aim is to identify the relevant drivers of the decision to vertically disintegrate the credit assessment phase in the lending business.Design/methodology/approach - Transaction cost economics and information asymmetry are the typical perspectives of analysis of the vertical scope of business value chains.Findings - This paper argues that in order to capture the drivers underlying the dynamic evolution…
Brokers in the Credit Market: An Examination of the Vertical Scope
2014
This paper analyzes the vertical disintegration of the bank loan origination value chain. The main aim is to identify the relevant drivers which cause the emergence of brokers in the credit market which lead to vertical disintegration of the credit origination value chain. Transaction cost economics is the typical perspective of analysis of the vertical scope of banking value chains. This paper argues that in order to capture the drivers underlying the dynamic evolution of the vertical scope of bank loan origination business models, the above perspectives must be combined and further integrated with a capabilities and resource based view and with a modularity perspective.
La función del correo durante las exposiciones temporales. El procedimiento de la Biblioteca Histórica de la UCM
2023
El préstamo de libros y documentos entre entidades o instituciones es cada vez más frecuente. Al mismo tiempo que una oportunidad para la difusión de los fondos documentales, supone la necesidad de gestión de estos préstamos y el establecimiento de los controles necesarios para que se lleven a cabo con garantías para la conservación de las obras. La figura del correo tiene un papel fundamental en esta tarea. En la Biblioteca Histórica de la Universidad Complutense se realiza esta labor siguiendo un procedimiento que permite ser adaptado a las diferentes necesidades de los préstamos y la tipología documental. Esta comunicación tiene como objetivo exponer este procedimiento y compartir alguno…
The Uses of the Imagination in Moral Neuroeducation
2019
In contrast to influential theories that focus on top-down, deliberative reasoning, triune ethics theory seeks to gather findings from neurobiology, affective neuroscience, and cognitive science and integrate them into a bottom-up theory that focuses on that motivational orientations that are rooted in experientially formed, evolved, unconscious emotional systems. Triune ethics theory identifies three basic attractors for moral functioning based on brain evolution: safety, engagement and imagination. It proposes an integrative ethical education model based on the notion of a moral imagination, which can enhance moral development. It integrates, on the one hand, John Dewey’s theory of moral …