Lending
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Financing The Underfinanced
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Author : Jiazhuo G. Wang
language : en
Publisher: Springer
Release Date : 2015-04-07
Financing The Underfinanced written by Jiazhuo G. Wang and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015-04-07 with Business & Economics categories.
This book, as a comprehensive, in-depth analysis of one of the fastest-growing industries in China, covers all the most important areas and issues in the country’s online lending industry. It includes, but is not limited to, the history of online lending, the scale of the online lending market, the basic business models in and a risk analysis of online lending, the characteristics of typical online-lending borrowers and investors/lenders, the root causes of bankruptcy among failed online lending platforms, a comparative analysis of online lending platforms inside and outside China, the overall ranking of online lending platforms in China and finally, the outlook for the online lending industry in the future. The integration of Internet and finance has, in recent years, been among the most notable topics discussed in the media, the business community and academia, both in China and worldwide. The chapters are supplemented with detailed case studies, which include illustrations and tables and the book combines theoretical analysis with conceptual discussions of and best practices in the online lending industry. It will be of interest to a variety of readers worldwide, including: (1) existing and potential online borrowers; (2) existing and potential online lenders; (3) investors and professionals running online lending platforms; (4) traditional bankers and major shareholders in traditional financial institutions; (5) staff in regulatory government agencies; (6) academics; and (7) the general public.
Drivers Of Bank Lending
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Author : Hartmut Brinkmeyer
language : en
Publisher: Springer
Release Date : 2014-09-24
Drivers Of Bank Lending written by Hartmut Brinkmeyer and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014-09-24 with Political Science categories.
After the recent financial crisis has hooked the banking system to its very foundations, Hartmut Brinkmeyer contributes to the question of how bank characteristics influence bank loan supply during crisis periods by developing a well-founded theoretical framework. The econometrical design deploys a number of remarkably innovative ideas such as the implementation of a bank-specific, self-chosen target capital ratio or a very convincing approach to the disentanglement of loan supply and demand. The results of this study deliver a profound insight into the lending behavior of European banks and explicitly urge academic and practical discussion.
Payday Lending
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Author : Carl Packman
language : en
Publisher: Springer
Release Date : 2014-09-16
Payday Lending written by Carl Packman and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014-09-16 with Business & Economics categories.
Payday Lending looks at the growth of the high cost credit industry from the early payday lending industry in the early 1990s to its development in the US as a highly profitable industry around the world.
Bank Lending In The Knowledge Economy
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Author : Mr.Giovanni Dell'Ariccia
language : en
Publisher: International Monetary Fund
Release Date : 2017-11-07
Bank Lending In The Knowledge Economy written by Mr.Giovanni Dell'Ariccia and has been published by International Monetary Fund this book supported file pdf, txt, epub, kindle and other format this book has been release on 2017-11-07 with Business & Economics categories.
We study bank portfolio allocations during the transition of the real sector to a knowledge economy in which firms use less tangible capital and invest more in intangible assets. We show that, as firms shift toward intangible assets that have lower collateral values, banks reallocate their portfolios away from commercial loans toward other assets, primarily residential real estate loans and liquid assets. This effect is more pronounced for large and less well capitalized banks and is robust to controlling for real estate loan demand. Our results suggest that increased firm investment in intangible assets can explain up to 20% of bank portfolio reallocation from commercial to residential lending over the last four decades.
Bank Lending And Entrepreneurial Finance
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Author :
language : en
Publisher: The Fraser Institute
Release Date : 2008
Bank Lending And Entrepreneurial Finance written by and has been published by The Fraser Institute this book supported file pdf, txt, epub, kindle and other format this book has been release on 2008 with categories.
However, the reports also find that Canadian banks lag behind industry leaders in the two most important measures relating to entrepreneurial businesses: the amount of bank lending (in terms of the quantity of funds) and the terms by which that lending is provided. [...] An analysis of the structural influences suggests that environmental features, such as the scale of the economy, the size of the banks, and the degree of concentration of the banking system, cannot explain the differences in bank performance between Canada and other industrialized countries. [...] Bank loans and the funding of entrepreneurial business The importance of different sources of finance for entrepreneurial businesses is difficult to gauge directly because of the diversity of these businesses. [...] The Milken Institute bank performance measures The Banking and Financial Index (BF Index), a subcategory of the Capital Access Index that is important to this study, assesses the contribution of a country's financial institutions to entre- preneurial finance on the basis of the following banking performance measures: •. Claims on non-financial firms as a percentage of GDP; •. Bank assets as a perc [...] The breadth of the banking measures used by the BF Index means that the items included differ substantially in terms of their relevance to the contribution of a country to entrepreneurial finance.
Financial Crises And The Composition Of Cross Border Lending
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Author : Mr.Eugenio Cerutti
language : en
Publisher: International Monetary Fund
Release Date : 2014-10-16
Financial Crises And The Composition Of Cross Border Lending written by Mr.Eugenio Cerutti and has been published by International Monetary Fund this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014-10-16 with Business & Economics categories.
We examine the composition and drivers of cross-border bank lending between 1995 and 2012, distinguishing between syndicated and non-syndicated loans. We show that on-balance sheet syndicated loan exposures account for almost one third of total cross-border loan exposures during this period. Furthermore, syndicated loan exposures increased during the global financial crisis due to large drawdowns on credit lines extended before the crisis. Our empirical analysis of the drivers of cross-border loan exposures in a large bilateral dataset shows three main results. First, banks with lower levels of capital favor syndicated over other kinds of cross-border loans. Second, borrower country characteristics such as level of development, economic size, and capital account openness, are less important in driving syndicated than non-syndicated loan activity, suggesting a diversification motive for syndication. Third, information asymmetries between lender and borrower countries, which are important both in normal and crisis times, became more binding for both types of cross-border lending activity during the recent crisis.
Lending To The Borrower From Hell
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Author : Mauricio Drelichman
language : en
Publisher: Princeton University Press
Release Date : 2016-12-13
Lending To The Borrower From Hell written by Mauricio Drelichman and has been published by Princeton University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016-12-13 with Business & Economics categories.
What the loans and defaults of a sixteenth-century Spanish king can tell us about sovereign debt today Why do lenders time and again loan money to sovereign borrowers who promptly go bankrupt? When can this type of lending work? As the United States and many European nations struggle with mountains of debt, historical precedents can offer valuable insights. Lending to the Borrower from Hell looks at one famous case—the debts and defaults of Philip II of Spain. Ruling over one of the largest and most powerful empires in history, King Philip defaulted four times. Yet he never lost access to capital markets and could borrow again within a year or two of each default. Exploring the shrewd reasoning of the lenders who continued to offer money, Mauricio Drelichman and Hans-Joachim Voth analyze the lessons from this important historical example. Using detailed new evidence collected from sixteenth-century archives, Drelichman and Voth examine the incentives and returns of lenders. They provide powerful evidence that in the right situations, lenders not only survive despite defaults—they thrive. Drelichman and Voth also demonstrate that debt markets cope well, despite massive fluctuations in expenditure and revenue, when lending functions like insurance. The authors unearth unique sixteenth-century loan contracts that offered highly effective risk sharing between the king and his lenders, with payment obligations reduced in bad times. A fascinating story of finance and empire, Lending to the Borrower from Hell offers an intelligent model for keeping economies safe in times of sovereign debt crises and defaults.
Bankers Lending Techniques
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Author : C. Nicholas Rouse
language : en
Publisher: Global Professional Pub
Release Date : 2010-11
Bankers Lending Techniques written by C. Nicholas Rouse and has been published by Global Professional Pub this book supported file pdf, txt, epub, kindle and other format this book has been release on 2010-11 with Business & Economics categories.
This popular, best-selling title, used by many banks for training their staff, covers the international aspects of lending and for that reason the text has now been globalised to ensure it is appropriate for all students. This third, fully up-dated edition covers the impact of the latest technology for lending assessment as well as legal issues concerning lending to corporate organisations, and also to private individuals. It features chapters on acquisition finance, franchising, factoring, a new section on project finance plus the control of a lending portfolio and the increased use of new technology. Some highly topical areas have been expanded. Sovereign risk has been incorporated and the whole area of rating agencies has been updated to include the difference between the ratings and the primary need of the banker, i.e. the Probability of Default. Finally there is now greater emphasis on the analysis of cash flow and the switch by lenders from the analysis of profitability and the need to produce and use cash flow projections. "This new and expanded edition provides the definitive reference book on lending for those in the banking industry. Its clear and accessible style makes it equally useful for the seasoned practitioner and for those training for the future. Nick's extensive practical and theoretical experience makes this a book that clarifies and educates, and which will be as useful in these times not only for bankers, but also for the non-banker seeking to understand what their bank is trying to achieve and why." Andy Bainbridge Head of Credit Risk (Western Hemisphere), Standard Chartered Bank
Images And Behavior Of Private Bank Lending To Developing Countries
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Author : Margee M. Ensign
language : en
Publisher: Taylor & Francis
Release Date : 1988
Images And Behavior Of Private Bank Lending To Developing Countries written by Margee M. Ensign and has been published by Taylor & Francis this book supported file pdf, txt, epub, kindle and other format this book has been release on 1988 with Business & Economics categories.
First Published in 1988. Routledge is an imprint of Taylor & Francis, an informa company.
Lending To Business By New York City Banks
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Author : George Budzeika
language : en
Publisher:
Release Date : 1971
Lending To Business By New York City Banks written by George Budzeika and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1971 with Business & Economics categories.
