The environment of loan in bank is very complex, there are not only random factors but also fuzzy factors, so the return rates of loan often have fuzzy random characteristic. Mean chance is a measure of fuzzy random variable. This paper proposes two fuzzy random dependentchance programming models of loan portfolio, one is minimize the mean chance of a bad outcome under the certain expected retu...

We investigate how borrowers’ corporate governance influences bank loan contracting terms in emerging markets and how this relation varies across countries with different country-level governance. We find that borrowers with stronger corporate governance obtain favorable contracting terms with respect to loan amount, maturity, collateral requirements, and spread. Firm-level and country-level co...

Previous studies seem to agree that increased competition would cause riskier banking behavior. This dissertation shows that when competition intensiÞes, banks have greater incentives for screening loan applicants, and thus loan quality may improve. In addition, competition fosters banks to rely less on collateral requirements. Hence, banks may be less vulnerable to asset price shocks. The empi...

Many policymakers and some behavioral models hold that restricting access to expensive credit helps consumers by preventing overborrowing. I examine some short-run effects of restricting access, using household panel survey data on payday loan users collected around the imposition of binding restrictions on payday loan terms in Oregon. The results suggest that borrowing fell in Oregon relative ...

We provide a model of the impact of bank mergers on loan competition, individual reserve management and aggregate liquidity risk. Banks hold reserves against liquidity shocks, refinance in the interbank market and compete in a differentiated loan market. A merger creates an internal money market that induces financial cost advantages and may increase reserve holdings. We assess the liquidity ri...

Megan Gaffney is Coordinator, Interlibrary Loan and Document Delivery Services, at the University of Delaware Library; e-mail: [email protected]. © Megan Gaffney Several studies have researched the reasons and patterns for academic library users’ interlibrary loan requests for materials already available at their college or university library. This study examines interlibrary loan statistics at...

There are two competing theoretical perspectives on whether bank capital improves or adversely affects banks’ monitoring incentives. We show that bank capital is positively associated with loan quality, an outcome of bank’s monitoring effort, and two salary-based ex-ante measures of monitoring effort that capture quality and quantity of labor input into monitoring. The evidence is robust to a b...

Abstract: Current banking data management on loan approval processes has great room for improvements of information quality and prevention of data problems in general, but especially with regards to fair lending and fair pricing practices. We first review briefly typical data collection protocols deployed at many financial institutions for loan approval and loan pricing. Portions of these data ...

Fuzzy adaptive network (FAN) is proposed to help decision makers in credit scores and to assign the amount of loan. By combining with neural networks to incorporate the learning ability, FAN provides an alternative approach for the imprecision and fuzziness of the credit rating system. A loan approval example is given and the performance of FAN is compared with the regression algorithm. The res...

This is to verify that I, NSHE ID on this date have applied for and received a loan of $________ from the School of Medicine Emergency Loan program. I promise to repay this amount within ninety days or on . I understand that failure to repay this loan by the date indicated shall result in a hold being placed on my academic record. This would necessitate in withholding the University of Nevada S...