Peng Bin 1,2,* and Marco Vassallo 3 1 School of International Studies, University of Trento, Via Tommaso Gar 14, Trento 38122, Italy 2 College of Public Administration, Huazhong Agricultural University, Wuhan 430070, China 3 Agricultural Research Council (CRA), Via Ardeatina 546, Rome 00178, Italy; [email protected] * Correspondence: [email protected]; Tel.: +39-046-128-3132 † An initial versio...

This paper examines the phenomenon of profit-increasing consumer exit, and the related phenomenon of profit-decreasing consumer entry. We demonstrate that firms can be better off in shrinking markets and worse off in growing markets, even in the absence of competitive entry or exit. Specifically, firms may benefit if a segment of consumers who are relatively indifferent about consuming any prod...

in this paper we analyze the relationship between creditrisk & profitability in iranian banks. the credit risk is measured bynon-performing loans ratio &loan; loss provision ratio. also, theprofitability has been measured by return on assets &return; on equity.the survey data are from fifteen iranian banks& credit institutesduring the time period of 2003 to 2009.results show that there is asign...

Unfortunately it could also be used to defraud these agencies. In the period immediately following their introduction public acceptance of credit cards was less than enthusiastic, but by 1992 there were almost 10 million major credit cards in use in Australia.2 There were also in excess of 25,000 fraudulent credit card transactions per annum. In this, then, as in so many other areas of property...

Credit rating agencies (CRA) are qualified as “auxiliaries of the financial information” by all the investors. Ratings are the results of a methodology used by CRA. Within the framework of a demystification of the method of work of agencies, the objective of this paper is to identify the importance of the accounting and financial information adjustments in the decisions of rating agencies. This...

This paper evaluates the presence of racial disparities in the issuance of consumer credit. Using a unique and proprietary database of credit histories from a major credit bureau, this paper links locationbased information on race with individual credit les. After controlling for the in uence of such other place-speci c factors as crime, housing vacancy rates, and general population demographic...

decision trees as one of the data mining techniques, is used in credit scoring of bank customers. the main problem is the construction of decision trees in that they can classify customers optimally. this paper proposes an appropriate model based on genetic algorithm for credit scoring of banks customers in order to offer credit facilities to each class. genetic algorithm can help in credit sco...