Bank Lending

Bank Lending

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  • Author: Nirmala Lee
  • Publisher: Gosbrook
  • ISBN: 9781912184057
  • Category : Business & Economics
  • Languages : en
  • Pages : 240

This book is for students and professionals working, or intending to work, in a lending-related role.The text provides comprehensive, up-to-date coverage of bank lending, its principles and practices. Bank lending performs a key role within global and national economies. Individuals and enterprises look primarily to banks and other financial institutions to finance their personal and business requirements. Good lending practice is therefore a core skill required within the financial services industry. This book will give lending staff the detailed knowledge and understanding of the financial and legal aspects of their roles they need to be able to fulfil employer as well as customer expectations.Topics include:lending principlesthe legal and regulatory frameworktypes of borrowerpurposes of financingsecuritythe lending cycleIslamic financeimpact of lending and social responsibilityThe book provides students and practitioners of bank lending with an excellent understanding of lending practices as well as the principles that underpin these practices.


Bank Lending in the Knowledge Economy

Bank Lending in the Knowledge Economy

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  • Author: Mr.Giovanni Dell'Ariccia
  • Publisher: International Monetary Fund
  • ISBN: 1484324897
  • Category : Business & Economics
  • Languages : en
  • Pages : 45

We study bank portfolio allocations during the transition of the real sector to a knowledge economy in which firms use less tangible capital and invest more in intangible assets. We show that, as firms shift toward intangible assets that have lower collateral values, banks reallocate their portfolios away from commercial loans toward other assets, primarily residential real estate loans and liquid assets. This effect is more pronounced for large and less well capitalized banks and is robust to controlling for real estate loan demand. Our results suggest that increased firm investment in intangible assets can explain up to 20% of bank portfolio reallocation from commercial to residential lending over the last four decades.


Finance & Development, March 2012

Finance & Development, March 2012

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  • Author: International Monetary Fund. External Relations Dept.
  • Publisher: International Monetary Fund
  • ISBN: 1451922140
  • Category : Business & Economics
  • Languages : en
  • Pages : 60

Young people, hardest hit by the global economic downturn, are speaking out and demanding change. F&D looks at the need to urgently address the challenges facing youth and create opportunities for them. Harvard professor David Bloom lays out the scope of the problem and emphasizes the importance of listening to young people in "Youth in the Balance." "Making the Grade" looks at how to teach today's young people what they need to get jobs. IMF Deputy Managing Director, Nemat Shafik shares her take on the social and economic consequences of youth unemployment in our "Straight Talk" column. "Scarred Generation" looks at the effects the global economic crisis had on young workers in advanced economies, and we hear directly from young people across the globe in "Voices of Youth." Renminbi's rise, financial system regulation, and boosting GDP by empowering women. Also in the magazine, we examine the rise of the Chinese currency, look at the role of the credit rating agencies, discuss how to boost the empowerment of women, and present our primer on macroprudential regulation, seen as increasingly important to financial stability. People in economics - C. Fred Bergsten, American Globalist. Back to basics - The multi-dimensional role of banks in our financial systems.


Consumer Lending

Consumer Lending

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  • Author: Richard E. Beck (Jr.)
  • Publisher:
  • ISBN: 9780899826301
  • Category : Bank loans
  • Languages : en
  • Pages : 448


Money, Bank Credit, and Economic Cycles

Money, Bank Credit, and Economic Cycles

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  • Author: Jesús Huerta de Soto
  • Publisher: Ludwig von Mises Institute
  • ISBN: 1610163885
  • Category : Banks and banking
  • Languages : en
  • Pages : 938


Basel III and Bank-Lending: Evidence from the United States and Europe

Basel III and Bank-Lending: Evidence from the United States and Europe

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  • Author: Mr.Sami Ben Naceur
  • Publisher: International Monetary Fund
  • ISBN: 1484328302
  • Category : Business & Economics
  • Languages : en
  • Pages : 54

Using data on commercial banks in the United States and Europe, this paper analyses the impact of the new Basel III capital and liquidity regulation on bank-lending following the 2008 financial crisis. We find that U.S. banks reinforce their risk absorption capacities when expanding their credit activities. Capital ratios have significant, negative impacts on bank-retail-and-other-lending-growth for large European banks in the context of deleveraging and the “credit crunch” in Europe over the post-2008 financial crisis period. Additionally, liquidity indicators have positive but perverse effects on bank-lending-growth, which supports the need to consider heterogeneous banks’ characteristics and behaviors when implementing new regulatory policies.


The Global Findex Database 2017

The Global Findex Database 2017

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  • Author: Asli Demirguc-Kunt
  • Publisher: World Bank Publications
  • ISBN: 1464812683
  • Category : Business & Economics
  • Languages : en
  • Pages : 228

In 2011 the World Bank—with funding from the Bill and Melinda Gates Foundation—launched the Global Findex database, the world's most comprehensive data set on how adults save, borrow, make payments, and manage risk. Drawing on survey data collected in collaboration with Gallup, Inc., the Global Findex database covers more than 140 economies around the world. The initial survey round was followed by a second one in 2014 and by a third in 2017. Compiled using nationally representative surveys of more than 150,000 adults age 15 and above in over 140 economies, The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution includes updated indicators on access to and use of formal and informal financial services. It has additional data on the use of financial technology (or fintech), including the use of mobile phones and the Internet to conduct financial transactions. The data reveal opportunities to expand access to financial services among people who do not have an account—the unbanked—as well as to promote greater use of digital financial services among those who do have an account. The Global Findex database has become a mainstay of global efforts to promote financial inclusion. In addition to being widely cited by scholars and development practitioners, Global Findex data are used to track progress toward the World Bank goal of Universal Financial Access by 2020 and the United Nations Sustainable Development Goals. The database, the full text of the report, and the underlying country-level data for all figures—along with the questionnaire, the survey methodology, and other relevant materials—are available at www.worldbank.org/globalfindex.


Emerging Market Bank Lending and Credit Risk Control

Emerging Market Bank Lending and Credit Risk Control

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  • Author: Leonard Onyiriuba
  • Publisher: Academic Press
  • ISBN: 0128034475
  • Category : Law
  • Languages : en
  • Pages : 739

Using a framework of volatile markets Emerging Market Bank Lending and Credit Risk Control covers the theoretical and practical foundations of contemporary credit risk with implications for bank management. Drawing a direct connection between risk and its effects on credit analysis and decisions, the book discusses how credit risk should be correctly anticipated and its impact mitigated within framework of sound credit culture and process in line with the Basel Accords. This is the only practical book that specifically guides bankers through the analysis and management of the peculiar credit risks of counterparties in emerging economies. Each chapter features a one-page overview that introduces its subject and its outcomes. Chapters include summaries, review questions, references, and endnotes. - Emphasizes bank credit risk issues peculiar to emerging economies - Explains how to attain asset and portfolio quality through efficient lending and credit risk management in high risk-prone emerging economies - Presents a simple structure, devoid of complex models, for creating, assessing and managing credit and portfolio risks in emerging economies - Provides credit risk impact mitigation strategies in line with the Basel Accords


The Chicago Plan Revisited

The Chicago Plan Revisited

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  • Author: Mr.Jaromir Benes
  • Publisher: International Monetary Fund
  • ISBN: 1475505523
  • Category : Business & Economics
  • Languages : en
  • Pages : 71

At the height of the Great Depression a number of leading U.S. economists advanced a proposal for monetary reform that became known as the Chicago Plan. It envisaged the separation of the monetary and credit functions of the banking system, by requiring 100% reserve backing for deposits. Irving Fisher (1936) claimed the following advantages for this plan: (1) Much better control of a major source of business cycle fluctuations, sudden increases and contractions of bank credit and of the supply of bank-created money. (2) Complete elimination of bank runs. (3) Dramatic reduction of the (net) public debt. (4) Dramatic reduction of private debt, as money creation no longer requires simultaneous debt creation. We study these claims by embedding a comprehensive and carefully calibrated model of the banking system in a DSGE model of the U.S. economy. We find support for all four of Fisher's claims. Furthermore, output gains approach 10 percent, and steady state inflation can drop to zero without posing problems for the conduct of monetary policy.


FDIC Quarterly

FDIC Quarterly

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  • Author:
  • Publisher:
  • ISBN:
  • Category : Banks and banking
  • Languages : en
  • Pages : 38