In terms of regulatory and economic capital, credit risk is the most signi…cant risk faced by banks. We implement a credit risk model –based on publicly available information – with the aim of developing a tool to monitor credit risk in a sample of large and complex banking groups (LCBGs) in the EU. The results indicate varying credit risk pro…les across these LCBGs and over time. Furthermore, ...

2206B Bach e lor of Arts in Ge og ra phy To tal Credit Hours . . . . . . . . . . . . . . . . . . . . . 124-126• To tal Up per-Di vi sion Credit Hours . . . . . . . . . . . . . . . . . 48 Min i mum Re ten tion/Grad u a tion Grade Point Av er ages: Min i mum in OU Coursework . . . . . . . . . . . . . . . . . . . 2.00 Min i mum in Ma jor CourseworkCom bined and OU . . . . . . . 2.00 Over all Com b...

Bach e lor of Arts in Ge og ra phy To tal Credit Hours . . . . . . . . . . . . . . . . . . . . . 124-126• To tal Up per-Di vi sion Credit Hours . . . . . . . . . . . . . . . . . 48 Min i mum Re ten tion/Grad u a tion Grade Point Av er ages: Min i mum in OU Coursework . . . . . . . . . . . . . . . . . . . 2.00 Min i mum in Ma jor CourseworkCom bined and OU . . . . . . . 2.00 Over all Com bined a...

Agriculture plays a crucial role in the development of the Indian economy. It accounts for about 19 percent of GDP and about two thirds of the population is dependent on the sector. (Economic Survey, 2009). Recognizing the importance of agriculture sector in India’s development, the Government and the Reserve Bank of India (RBI) have played a vital role in creating a broad-based institutional f...

E-commerce customers may have a problem when paying for the purchase of a major item, if its price is larger than the available credit on their credit card. In the brick and mortar world, this problem would be solved by paying part of the bill with cash or with a second credit card. In e-commerce, however, this has not been an option. Furthermore, even when a customer could pay the whole purcha...

With the rise and swift growth of E-Commerce, credit card uses for online purchases has increased dramatically and it caused sudden outbreak in the credit card fraud. Fraud is one of the major ethical issues in the credit card industry. With both online as well as regular purchase, credit card becomes the most popular mode of payment with cases of fraud associated with it are also increasing. F...

Credit based electronic payment systems are considered to play important roles in future automated payment systems Like most other types of payment systems however credit based systems proposed so far generally involve computationally expensive cryptographic operations Such relatively heavy computational load is preventing credit based systems from being used in applications that require very f...

Firms depend heavily on trade credit. In the years 1980-2004 about 60% of all inputs to production were purchased with a delayed payment. This paper provides evidence that trade credit connection plays signi cant role in the growth stability of customers by reducing the propagation of rm-level shocks from suppliers onto their customers. On average, customer experiences about 20% lower disruptio...

Márcia Lima Bandeira E-mail address: [email protected] Escola de Administração de Empresas de São Paulo/Fundação Getulio Vargas São Paulo, SP, Brazil. ABSTRACT While trade credit may be used as a substitute for bank loans, we find empirical evidence that listed firms do use bank debt and trade credit as two complementary sources of financing in line with recent theoretical papers (e.g...

Credit rating agencies (CRAs) very often have been criticized for announcing inaccurate credit ratings and are suspected of being exposed to con‡icts of interest. Despite these objections CRAs remained largely unregulated. Based on Pagano & Immordino (2007), we study the optimal regulation of CRAs in a model where rating quality is unobservable and enforcing regulation is costly. The model show...