We investigate whether government credit guarantee schemes, extensively used after the onset of Covid-19 pandemic, led to substitution non-guaranteed with guaranteed rather than fully adding supply lending. study this issue using a unique euro-area register data, matched supervisory bank data and establish two main findings. First, loans were mostly extended small but comparatively creditworthy...

Abstract: The Efforts to minimize legal risk over brand certificate guarantees in banking practices by conducting a professional analysis of brands. main thing that is done the bank identify whether rights mark meet and economic requirements as guarantee important imposition perfect pawn collateral institutions or fiduciaries then it cause property born domiciled preferred creditor. on effort w...

This paper performs a cross-country panel data analysis to determine whether gold holdings of central banks contribute sovereign creditworthiness. Higher bank are found reduce credit default swap (CDS) spreads, measure country risk. effect is stronger during global and country-specific crisis episodes. We account for endogeneity reserves using an instrumental variables approach. Potential econo...

This paper examines the two-way linkages between credit risk measurement and the macroeconomy. It first discusses the issue of whether credit risk is low or high in economic booms. It then reviews how macroeconomic considerations are incorporated into credit risk models and the risk measurement approach that underlies the New Basel Capital Accord. Finally, it asks what effect these measurement ...

We collect information about multinational banks’ internal capital markets from interviews with over 400 bank CEOs across emerging Europe. Using these unique data, we document substantial variation in how banks financially manage foreign subsidiaries and then assess how this variation affected local credit growth during the Great Recession. We show that subsidiaries grew faster if the parent ba...

We use a regression discontinuity design to investigate the effect of the Community Reinvestment Act on consumer credit outcomes using data from the Federal Reserve Bank of New York’s Consumer Credit Panel database (Equifax data) for the years 2004 to 2012. A bank’s activities in census tracts with median family incomes less than 80 percent of the metropolitan statistical area (MSA) median fami...

The capital adequacy framework Basel II aims to promote the adoption of stronger risk management practices by the banking industry. The implementation makes validation of credit risk models more important. Lenders therefore need a validation methodology to convince their supervisors that their credit scoring models are performing well. In this paper we take up the challenge to propose and imple...

This study evaluated the effect of bank consolidation on economic growth of Nigeria between the periods of 2006-2015. Secondary data were sourced from the Central Bank of Nigeria statistical bulletin and the NDIC Annual Reports between the period of 2006 and 2015. Data was analyzed using the Ordinary Least Square (OLS) multiple regression technique with the aid of the SPSS statistical software ...

The facility interest rate is one of the most important macroeconomic variables. The bank facility interest rate is associated with other macro-economic variables, one of which is the bank deposit interest rate. Using the time series data of the 1973-2017 period and the simultaneous equation system, the researchers estimated four equations using the three-stage least squares method.The result o...