Loan servicers today face increasing regulatory and investor pressures to make sure they properly protect and preserve the integrity of their loan records. Data security and data integrity, unfortunately, are two often-overlooked aspects of loan servicing. Failure in either area is a recipe for reputation damage at best, and financial disaster, at worst. The goal of this paper is to provide loa...

This paper reviewed and analyzed the development of our nation’s loan loss provision system, then studied the relations of commercial bank loan loss provision and earnings management and capital management through empirical study. This paper selected 14 domestic commercial banks of year 2001-2009 as data sample, using Kanagaretnam et al.’s (2003) research method, dividing the loan loss provisio...

We investigate key factors affecting lenders’ bidding strategies using three measurements for the popularity of loans: funding success, number of bids, and funding time. Also, we analyze borrowers’ strategy in three groups according to the level of their expertise of online Peer-to-Peer lending: novice borrowers, pure borrowers, and mixed borrowers (as both borrower and lender). We use data fro...

This paper studies the effects of interest rate restrictions on loan allocation. In 1714, the British government tightened the usury laws, reducing the maximum permissible interest rate from 6 to 5 percent. A sample of individual loan transactions from a goldsmith bank allows us to examine how interest rate restrictions affected loan allocation. Average loan size and minimum loan size increased...

For low-resource languages like Uyghur, data sparseness is always a serious problem in related information processing, especially in some tasks based on parallel texts. To enrich bilingual resources, we detect Chinese and Russian loan words from Uyghur texts according to phonetic similarities between a loan word and its corresponding donor language word. In this paper, we propose a novel approa...

The study investigated performance of loan repayment among rice farmers under the MiDA agricultural credit programme in the Hohoe Municipality. Primary data was collected from 120 farmers from four beneficiary towns while secondary data was gathered from literatures and various actors. Multistage random sampling technique was used to select the respondents. Obtained data were analyzed using t-t...

I develop and estimate a model of expertise that weighs the tradeoffs of delegating loan decisions to loan officers. While loan officers can screen soft information, their preferences may distort decisions away from the lender’s objective. The model features rich heterogeneity (e.g. risk aversion, willingness to exert effort, and overconfidence) and addresses possible endogeneity with a natural...

This paper tests the influence of regulatory capital guidelines on the link between banks’ loan loss reserve decisions in 2007 and the risk of bank failure during the 2008-2009 economic crisis. Our primary finding is that larger loan loss reserve increases in 2007 are associated with an increased risk of bank failure in 2008-2009, but only for banks that are allowed to add back loan loss reserv...

The purpose of this study is to assess how information sharing offices affect loan price and quantity in the African banking industry. The empirical evidence is based on a panel of 162 banks in 42 countries for the period 2001-2011. From the Generalised Method of Moments, public credit registries decrease loan price. With instrumental Quantile Regressions, two main findings are established. Pub...