Search results for "loan"

Il rapporto banca-impresa tra transaction banking e relationship banking: la ricerca condotta nella provincia di Caltanissetta.

2016

In questo capitolo saranno esposti i principali contributi teorici ed empirici della letteratura economico-finanziaria sul relationship banking e transaction banking utili alla lettura e interpretazione dei comportamenti aziendali adottati dalle banche nell’esercizio della complessa e articolata funzione creditizia. Infatti, il vario articolarsi della soft e hard information nell’economia e gestione della banca influenza significativamente la valutazione del merito di credito dell’impresa richiedente fondi, gli approcci strategico-organizzativi alle relazioni creditizie banca-impresa e, in ultima analisi, l’efficienza ed efficacia dell’intermediazione creditizia bancaria.

Bank Reliability Assessment Model: Case of Latvia

2020

Reliable and stable banks are an important precondition for the sustainable development of national economy. The objective of the chapter is to design a model allowing assessment of bank reliability in the context of bank financial strength. The model is designed using publicly available financial statement data of Latvian commercial banks, in the period of 2003–2016, macroeconomic data as well as aggregate statistical data of Latvian banking sector. The model allows calculation of ratings reflecting reliability level of banks. The model is designed based on the multiple choice model ordered logit. The chapter identifies the most important factors reflecting reliability level of banks, incl…

Jumalan kunniaksi ja ihmisten hyväksi : lääkäri, luonnontieteilijä ja keräilijä Sir Hans Sloane (1660-1753) British Museumin perustajana

1999

Network-Based Computational Techniques to Determine the Risk Drivers of Bank Failures During a Systemic Banking Crisis

2018

This paper employs a computational model of solvency and liquidity contagion assessing the vulnerability of banks to systemic risk. We find that the main risk drivers relate to the financial connections a bank has and the market concentration, apart from the size of the bank triggering the contagion, while balance sheets play only a minor role. We also find that market concentration might facilitate banks to withstand liquidity shocks better while exposing them to larger solvency chocks. Our results are validated through an out-of-sample forecasting that shows that both type I and type II prediction errors are reduced if we include network characteristics in our prediction model.

The Influence of Relationship Lending on SMEs Loan Repayment Performance

2020

The study examined the influence of relationship lending on repayment performance of small- and medium-enterprise (SME) credit facilities. Four hypotheses were developed and tested using data from 395 sampled borrowers of the largest Tanzanian bank. Data for independent variables were obtained through an administered questionnaire while the data for dependent variable were obtained from the borrowers’ records with the bank. Descriptive and econometric analyses were conducted. Findings show that length and depth of relationship between bank and customers positively and significantly influence the repayment performance. Contrary to other empirical works, the findings revealed the scope of th…

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.

L’aportació del Gazophylacium catalano-latinum, de Joan Lacavalleria, a la terminologia catalana

2017

The publication in 1696 of the Catalan-Latin dictionary Gazophylacium Catalano-Latinum by Joan Lacavalleria led to the incorporation into Catalan of a large number of technical terms, in spite of the early modern sociocultural context being unfavourable to scientific and technical developments. The Gazophylacium is the Catalan version of a French-Latin dictionary, Le Dictionaire royal augmente by Francois-Antoine Pomey. Therefore, Lacavalleria may be considered as an initiator of the systematic transfer procedure of terminological units of French origin into Catalan, which were also adopted by many other languages of culture until well into the twentieth century, and that favoured the circu…

APPLIQUER LES PRINCIPES DE LA ROYAL SOCIETY – L’EXEMPLE DU VOYAGE DE HANS SLOANE (1660-1753) A LA JAMAIQUE (1687)

2013

International audience; Les collections accumulées durant sa vie par l’éminent médecin Hans Sloane formèrent le noyau originel du British Museum, qui ouvrit au public en 1759. Hans Sloane fut secrétaire de la Royal Society pendant 20 ans (à partir de 1693) puis président de celle-ci après la mort de Newton de 1727 à 1741. Mais il en était membre depuis 1685, avant son départ à la Jamaïque, où il passa 15 mois entre 1687 et 1689. Il publia en deux énormes volumes les résultats de ce voyage en 1707 et 1725 (A Voyage to the Islands Madera, Barbadoes, Nieves, St Christopher’s and Jamaica ; with the Natural History of the Herbs and Trees, Four-Footed Beasts, Fishes, Birds, Insects, Reptiles, &c …

THE ANALYSIS OF THE ROMANIAN BANKING SYSTEM EVOLUTION IN THE IMPORTANT MILESTONES FROM ITS HISTORY

2014

One of the national systems most often marked by various internal and international macroeconomic evolutions over time was the banking system. In this paper I intend to analyze the main developments of the banking system in the outstanding moments in its history, starting with a brief characterization of the banking system before 1990, moving then towards an analysis of the developments recorded in the watershed years (1992, 1998, 2007) and getting to the current situation using several representative indicators. This analysis allows me to place in historical and current coordinates, the subject of a more extensive research aimed at highlighting the impact that Basel III will have on Romani…