nowadays, credit risk is recognized as one of the most important bankruptcy factors of banks and financial institutions. in order to manage and control this risk, design of credit rating models is undeniable necessity. credit rating is used to identify the probability of credit default and on the other side classify the customers into two groups: good and bad accounts. until now, various statis...

According to a Survey by the Society for Human Resource Management [6], 25% of human resource representatives interviewed in 1998 indicated that the companies they worked for ran credit checks on potential employees while the fraction increased to 43% in 2004. In this paper, we explore how such credit checks (information on observable credit market actions) might help separate workers with hete...

After making a loan, a bank finds out if the loan needs contract enforcement (“monitoring”); it also decides whether to lay off credit risk in order to release costly capital. A bank can lay off credit risk by either selling the loan or by buying insurance through a credit default swap (CDS). With a CDS, the originating bank retains the loan’s control rights but no longer has an incentive to mo...

Arkansas agriculture teachers (N=259) were surveyed to obtain information needed by a planning committee studying the issue of science credit for agriculture. Objectives were to determine: (a) the level of support for granting science credit for agriculture; (b) teachers' support for methods of granting science credit for agriculture for agriculture; (c) teachers' support for methods of certify...

This paper, which is based on network effect theory, focused on the key factors of two-sided network construction and e-commerce ecosystem formation in a big data environment. It takes six e-commerce companies as a research case and suggests how to improve the timing and spacing of service precision and business credit, reduce the experience gap between online and offline commerce, increase the...

potential growth of dairy sector is highest and more reliable compared to crop sector, indicating that dairy sector can play vital role to increase income among farmers in rural areas than crop sector in sri lanka. credit and farmer training in management ability have been major concerns of dairy development efforts. therefore, this study wasconductedto assess the impact of credit and farmer tr...