in the commercial banking activities, efficiency is an important issue for the bank managers, monitoring part and clients. this study has appraised the efficiency performance of the commercial banks in iran. the research method has been using windows data envelopment analysis with constant and variable returns to scale and input oriented model at the period of 1991-2006. the sample of study was...

Printed copies of HTA monographs cost £20 each (post and packing free in the UK) to both public and private sector purchasers from our Despatch Agents. Non-UK purchasers will have to pay a small fee for post and packing. For European countries the cost is £2 per monograph and for the rest of the world £3 per monograph. You can order HTA monographs from our Despatch Agents: – fax (with credit ca...

Printed copies of HTA monographs cost £20 each (post and packing free in the UK) to both public and private sector purchasers from our Despatch Agents. Non-UK purchasers will have to pay a small fee for post and packing. For European countries the cost is £2 per monograph and for the rest of the world £3 per monograph. You can order HTA monographs from our Despatch Agents: – fax (with credit ca...

Corporate credit granting is a key commercial activity of financial institutions nowadays. A critical first step in the credit granting process usually involves a careful financial analysis of the creditworthiness of the potential client. Wrong decisions result either in foregoing valuable clients or, more severely, in substantial capital losses if the client subsequently defaults. It is thus o...

Personal credit evaluation is the basic method for the commercial banks to avoid the consumer credit risk. On one hand, the credit behavior of individuals is complex; on the other hand the personal credit assessment system in our country is not sound, assessment methods are mostly objective, therefore, more and better scientific methods for credit risk assessment need to be introduced. This pap...

The purpose of this paper is to address the determinants of trade credit in the Cameroonian context. Based on a sample of 85 Cameroonian companies observed in 2006, the econometric investigations highlight a genuine financial intermediation business close to productive activity. We used a general model incorporating both financial variables, transactional and sociocultural in order to estimate ...

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Until 1994, the financial system in Brazil was almost entirely geared towards maximizing float income, which answered for close to half of the overall earnings of commercial banks. That required banks to be efficient, above all, in processing transactions, such as the payment of bills and checks. Credit granting activities were, as a consequence, of much less importance, since very little credi...

This paper describes the evolution of the various information sharing mechanisms that have emerged in Mexico; it studies their evolution, regulation and market structure. Sharing mechanisms alleviate the effects of asymmetric information in the credit market. It is known that the development of the credit market and information sharing mechanisms are closely related. We show that in Mexico info...

We study the reaction of commercial banks to external macroeconomic shocks using panel data from over 120 banks in Argentina for the period 1996-1999. We show that all banks reduce lending when systemic risk increases and that this reaction is driven by credit supply decisions by banks, beyond and above the impact of reduced credit demand or increased regulatory pressure. However, the underlyin...