Loan contracts performance determines the profitability and stability of the financial institutions, and screening the loan applications is a key process in minimizing credit risk. Before making any credit decisions, credit analysis (the assessment of the financial history and financial backgrounds of the borrowers) should be completed as part of the screening process. Good borrowers with low c...

Trust in financial institutions is widely considered important. However, a clear overview of studies on the drivers trust missing. We intend to fill this gap literature. After discussing why important, we turn its measurement, where distinguish between one's own institution and general (narrow-scope broad-scope trust), discuss how these measures differ from generalized (i.e. other people with w...

Financial institutions form multilayer networks by engaging in contracts with each other and by holding exposures to common assets. As a result, the default probability of one institution depends on the default probability of all of the other institutions in the network. Here, we show how small errors on the knowledge of the network of contracts can lead to large errors in the probability of sy...

The theory of the optimal allocation of risk and the Townsend Thai panel data on financial transactions are used to assess the impact of the major formal and informal financial institutions of an emerging market economy. We link financial institution assessment to the actual impact on clients, rather than ratios and non-performing loans. We derive both consumption and investment equations from ...

In the emerging competitive and technological driven banking era, banks have to strive hard for retaining and enlarging their customer base. Electronic customer relationship management (E-CRM) is the combination of traditional CRM with the e-business applications marketplace. An E-CRM system provides financial institutions with the opportunity to establish individual and need oriented customer ...

The article considers the financial assistance of international institutions (the International Monetary Fund and World Bank) to Republic Moldova in their partnership process. relevance study is determined by objective need use this solve urgent economic problems implement an effective policy Moldova. purpose analyze Financial Institutions Moldova, assess current state prospects for developing ...