Search results for "loan"
showing 10 items of 122 documents
Measurement of inclusive neutral current pi(0) production on carbon in a few-GeV neutrino beam
2010
The SciBooNE Collaboration reports inclusive neutral current neutral pion production by a muon neutrino beam on a polystyrene target (C8H8). We obtain (7.7 +/- 0.5(stat) +/- 0.5(sys)) X 10(-2) as the ratio of the neutral current neutral pion production to total charged current cross section; the mean energy of neutrinos producing detected neutral pions is 1.1 GeV. The result agrees with the Rein-Sehgal model implemented in our neutrino interaction simulation program with nuclear effects. The spectrum shape of the pi(0) momentum and angle agree with the model. We also measure the ratio of the neutral current coherent pion production to total charged current cross section to be (0.7 +/- 0.4) …
Econometric model to estimate the Probability of Default and Loss Given Default in the EBA stress test in 2016
2019
In this research, an econometric with panel data using Ordinary least squares OLS model is constructed following the guidelines recommended by the EBA stress test methodology for 2016. The findings indicate that macroeconomic factors affecting defaults are the expected ones in the Spanish credit institutions. However, loan impairments do not follow the patterns that a priori would be normal. Divergent is outcomes in defaults and impairments: the Non-Performing Loans (NPL) is pro-cyclical and impairment losses are counter-cyclical.
Datorizētais redzes asuma tāluma tests un pūļa efekts
2022
Darbs ir uzrakstīts latviešu valodā uz 34 lapaspusēm. Tas satur 19 attēlus, 2 tabulas, 1 pielikumu un 41 atsauces uz literatūras avotiem. Darba mērķis ir salīdzināt datorizētā testa redzes asuma novērtēšanas stimulu ar standartā pieņemtajiem redzes asuma stimuliem, izvērtējot pūļa efekta ietekmi un redzes asuma slieksni. Pētījumā piedalījās 42 dalībnieki. Redzes asuma novērtēšana ļauj spriest par to vai ir kādas izmaiņas redzes sistēmā, kā viens no faktoriem, kas ietekmē redzes asumu ir pūļa efekts. Pētījuma dalībniekiem tika novērtēts redzes asums ar Freiburg Vision Test (FrACT), Early Treatment of Diabetic Retinopathy (ETDRS) redzes asuma tabulu, kā arī ar datorizēto redzes asuma novērtēš…
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 mercato dei loan brokers nell’economia delle imprese bancarie: un caso di de-integrazione verticale della catena del valore
2010
This paper aims to investigate the drivers of the emerging loan broker market in the lending business value chain. Transaction cost economics, the dominant paradigm for understanding make or buy decisions, represents the starting point of my research. Capabilities based view of banking firms and modularity helps to understand the creation of intermediate markets.
Il rapporto banca-impresa: aspetti definitori e premesse teorico-metodologiche.
2016
Questo capitolo introduttivo, pur ponendosi l’obiettivo di analizzare i fondamenti teorici del rapporto banca-impresa, non vuole avere la pretesa di prendere in esame in modo esaustivo la copiosa letteratura teorica ed empirica sulle scelte di finanziamento delle imprese, struttura finanziaria e intermediazione creditizia di natura bancaria, quanto piuttosto lo scopo di delineare i diversi percorsi di ricerca e di studio sui temi della finanza d’impresa e dell’intermediazione finanziaria, quali premesse teorico-metodologiche dell’analisi empirica del mercato creditizio della provincia di Caltanissetta, e in particolare del rapporto banca-impresa, condotta nei capitoli successivi.
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.