The eight years from 2000 to 2008 saw a rapid growth in the use of securitization by UK banks. We aim to identify the reasons that contributed to this rapid growth. The time period (2000 to 2010) covered by our study is noteworthy as it covers the pre-…nancial crisis creditboom, the peak of the …nancial crisis and its aftermath. In the wake of the …nancial crisis, many governments, regulators a...

Some economists argue that a monetary tightening shifts the supply schedule of bank loans left, thereby forcing bank-dependent borrowers to cut back on expenditures. This is the credit view. In the literature, the credit view is typically studied in a closedeconomy context. In reality, however, banks make international loans through their overseas branches and subsidiaries. This short paper tes...

[Abstract] The assessment of credit risk of real-estate of Chinese banks has become a hot point nowadays. Traditional gross risk-evaluation methods are mainly Discriminant Analysis (DA) and logistic regression, and the most common approach is a credit rating system based on logistic regression. Yet the daily ripening neural network technique has opened up a new idea for experts in fields of ban...

Using detailed data of all German banks, we find that banks which have suffered heavy credit losses reduce their corporate lending business by 1.32 euro for each lost; with 95% confidence, the effect is between 0.85 and 1.80 euros. This sensitivity in line (quite heterogeneous) results earlier studies but significantly lower than those arising from assumption constant leverage. Weakly capitaliz...

This paper examines the recent period of relatively low credit spreads in Japan, with particular emphasis on the market’s assessments of the credit risks of large Japanese banks implicit in the prices of credit derivatives. We extract the market-price implied likelihood of a credit event in the future, and explore the nature of the default risk premiums underlying recent changes in bank bond an...

Bank has an important role. As a financial institution that functions to collect and distribute of funds the public, banking institutions are very vulnerable risk in carrying out its activities. Therefore, this research aims examine influence credit liquidity BUMN 2017:Q1Q4 2020:Q1Q4. This used quantitative data with multiplier linear regression method. The unit analysis studied consisted three...

Observers routinely claim that the Japanese government of the high-growth 1960s and 1970s rationed and ultimately directed credit. It barred domestic competitors to banks, insulated the domestic capital market from international competitive pressure, and capped loan interest rates. In the resulting credit shortage, it promoted industrial policy by rationing credit. As much as the government pur...

O ne of the hallmarks of Eugene White’s scholarship is his knack for using detailed historical examples to raise large, thought-provoking questions. “Were Banks Special Intermediaries in Late Nineteenth Century America?” is no exception. White combines case studies of two small financial institutions, the Bank of A. Levy and the Emigrant Savings Bank, with other information on nineteenth-centur...

This paper surveyed the impact of customer knowledge management (CKM) on continuous innovation and financial and non-financial performance of Noor Credit Institution. This paper is fieldwork and in terms of methodology is causal and in terms of the purpose is practical. The statistical population of this study is consists of the employees of the Noor Credit Institution in the country which were...