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Dissertations / Theses on the topic 'Banking lending'

Author: Grafiati

Published: 28 May 2022

Last updated: 30 July 2025

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1

Yang, Jun. "Essays on Corporate Finance and Banking." Thesis, Boston College, 2018. http://hdl.handle.net/2345/bc-ir:108023.

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Thesis advisor: Philip E. Strahan<br>In the first essay of this dissertation, I study the information synergies between deposit-taking and lending activities of large banks. I use the influx of Chinese international students into US universities to identify a local deposit shock. I find that banks that are more exposed to this shock increase their local credit supply in small business loans, but not mortgages. The results support the notion that deposit can be informative: it conveys signals about local economic activities. Such information affects banks expectation about future local demand a

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2

Johnson, James Stewart. "Secular change pressures in UK corporate bank lending." Thesis, Loughborough University, 1995. https://dspace.lboro.ac.uk/2134/31922.

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This thesis examines the question of the existence of banks as financial intermediaries. It is apparent in UK corporate bank lending that there is a long-term secular decline which is reducing the scale and affecting the form of such lending and which is inducing a redefinition of the role of banks in the financial system. In the final analysis banks exist as a response to market imperfections: scale economies; information asymmetries; monitoring reputation; control facilities; and commitment abilities. These provide alternative conditions defining banks, their position in the financial system

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Black, Lamont K. "Essays on small business lending." [Bloomington, Ind.] : Indiana University, 2007. http://gateway.proquest.com/openurl?url_ver=Z39.88-2004&rft_val_fmt=info:ofi/fmt:kev:mtx:dissertation&res_dat=xri:pqdiss&rft_dat=xri:pqdiss:3264326.

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Thesis (Ph.D.)--Indiana University, Dept. of Economics and Dept. of Finance, 2007.<br>Source: Dissertation Abstracts International, Volume: 68-05, Section: A, page: 2094. Advisers: Eric L. Leeper; Gregory F. Udell. "Title from dissertation home page (viewed Jan. 24, 2008)."

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4

Golodniuk, Inna. "Evidence on the bank lending channel in Ukraine /." Burnaby B.C. : Simon Fraser University, 2005. http://ir.lib.sfu.ca/handle/1892/2022.

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Karamanolis, Padazis Orestes. "The legal implications of sovereign lending through syndicated loan agreements." Thesis, University of Cambridge, 1988. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.304287.

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6

Enchzajaa, Culuunbaataryn. "Impact of institutions on lending informal constraints and enforcement of bank regulation in Mongolia /." Wiesbaden : Deutscher Universitäts-Verlag, 2006. http://dx.doi.org/10.1007/978-3-8350-9007-1.

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7

Win, Sandar. "Sociological institutionalist approach on banks' lending behavior in Myanmar (Burma)." Thesis, University of Bedfordshire, 2013. http://hdl.handle.net/10547/315809.

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This is an exploratory study which investigated the process by which banks' lending behaviour in Myanmar (Bunna) was influenced by the institutional environment and their responses towards them. The theoretical framework used in this study was primarily drawn upon Scott's new institutional theory. Since the theory focused on the convergent perspective rather than divergent perspective, the theory of Oliver's strategic responses to these institutional pressures, coercive, normative and mimetic, was incorporated in the theoretical framework development. The main method of data collection was int

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8

Prilmeier, Robert. "Two Essays on Lending and Monitoring." The Ohio State University, 2013. http://rave.ohiolink.edu/etdc/view?acc_num=osu1366124597.

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Ėnchzajaa, Čuluunbaataryn. "Impact of institutions on lending informal constraints and enforcement of bank regulation in Mongolia /." Wiesbaden : Deutscher Universitats-Verlag, 2006. https://www.lib.umn.edu/slog.phtml?url=http://www.myilibrary.com?id=134342.

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10

Elbarouki, Sam. "Executive Banking Leaders and Risk-Management Strategies on Subprime Mortgage Lending." ScholarWorks, 2016. https://scholarworks.waldenu.edu/dissertations/2254.

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During 2000-2008, subprime mortgage loans were a profitable and popular commodity for banks and lenders alike. The majority of banks that offered this type of mortgage eventually suffered grave financial consequences, largely due to the lack of risk-mitigating processes within their mortgage portfolio. Guided by the stewardship theory, the purpose of this qualitative multiple case study was to explore the risk-mitigation protocols that 4 bank CEOs employed in Northern California used to mitigate the offering of this risky product. Semistructured interviews were used to elicit detailed narrativ

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11

Coulson, Andrea Barbara. "Corporate environmental performance considerations within bank lending processes : the social construction of risk perception." Thesis, Durham University, 1997. http://etheses.dur.ac.uk/1633/.

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12

Gao, Mingze. "Three Essays in Corporate Finance and Banking." Thesis, The University of Sydney, 2021. https://hdl.handle.net/2123/24920.

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This thesis consists of three standalone studies in corporate finance and banking. The first study documents that a firm’s organization capital (OC), which captures the firm’s proprietary knowledge accumulated internally, has a substitution effect on its executive pay-for-performance sensitivity (PPS). The OC-PPS substitution is likely causal using state-level unemployment insurance benefits as an instrument for OC and a stacked difference-indifferences estimation approach exploiting exogeneous CEO turnovers due to health issues. The second study reveals that the appreciation in the market v

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13

Moe, Todd Gregory. "The Many Functions of Commercial Banking: Liquidity Management, Mergers, and Retail Lending." OpenSIUC, 2018. https://opensiuc.lib.siu.edu/dissertations/1616.

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The main objective of this dissertation is to provide insight into commercial bank decisionmaking in the United States. To this end, commercial bank behavior is explored in three separate essays. Chapter 1 examines the liquidity adjustment behavior of U.S. commercial banks from 1993-2006. A panel vector autoregressive framework is employed to estimate the dynamic responses of bank loans and liquid assets to a variety of bank funding shocks. Orthogonalized impulse responses reveal that banks respond to disruptions in funding by extending less credit and hoarding liquid assets. This paper also h

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14

Beardsley, Colin. "Financing the 1980s commercial property boom : a behavioural analysis of lending decisions by British banks." Thesis, University of Reading, 1997. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.360144.

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15

Owodunni, Adeola Abimbola. "Bank lending on the security of land : a comparative study of English and Nigerian law." Thesis, University of Reading, 1990. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.280298.

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16

Begley, Leonard J. "U.S. commercial banks' tax positions and their impact on South American lending." New York : Garland Pub, 1989. http://catalog.hathitrust.org/api/volumes/oclc/20013202.html.

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17

Motau, Hlokammoni Grathel. "Determinants of unsecured lending : an empirical investigation of consumption, lending rates and deregulation in a South African context." Thesis, Stellenbosch : Stellenbosch University, 2015. http://hdl.handle.net/10019.1/97470.

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Thesis (MDF)--Stellenbosch University, 2015.<br>ENGLISH ABSTRACT: South Africa has experienced a significant growth in household unsecured credit extension, igniting concerns around the potential negative impact of household indebtedness on the stability of the banking system. With the use of correlation and ordinary least squares, the study attempts to prove a relationship between growth in unsecured lending (dependent variable) and consumption, lending rates and de-regulation (independent variables). Although there is a correlation between growth in unsecured lending and interest rates,

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18

Aghabarari, L. "Banks' lending during the financial crisis." Doctoral thesis, Università degli Studi di Milano, 2015. http://hdl.handle.net/2434/337358.

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This thesis includes three empirical chapters. The chapters analyze different elements that affect the lending behavior of banks, particularly during the crisis period. The recent global financial crisis highlighted the central role of financial intermediaries’ stability in assuring a smooth transmission of credit to borrowers. In this thesis, I show that factors, such as the structure of the banks’ balance sheet and the country level particularities such as banking sector concentration significantly affect the banks’ lending behavior and lending channel.

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19

Enkhzaya, Chuluunbaatar. "Impact of institutions on lending : informal constraints and enforcement of bank regulation in Mongolia /." Wiesbaden : Dt. Univ.-Verl, 2006. http://www.gbv.de/dms/zbw/484943944.pdf.

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20

Maksimenko, Tatiana. "Lending relationships and liquidity insurance value of bank credit lines| Evidence from loan spreads." Thesis, City University of New York, 2014. http://pqdtopen.proquest.com/#viewpdf?dispub=3601933.

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<p>Bank lending processes and lending relationships involve two aspects, the provision of liquidity via lines of credit and the production of information via monitoring. To access the existing credit line, a borrower must be in compliance with financial covenants. When violations occur, access becomes conditional upon the bank’s willingness to accommodate the customer. The bank values its reputation as an accommodating lender and views a decision regarding credit line access restrictions as a trade-off between reputational and financial capital. Since imposing restrictions on a more loya

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21

Wild, William. "The economic basis of syndicated lending." Thesis, Queensland University of Technology, 2004. https://eprints.qut.edu.au/16114/1/William_Wild_Thesis.pdf.

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This work undertakes the first comprehensive theoretical assessment of syndicated loans. It is shown that syndicated and bilateral (single lender) loans should be good substitutes in meeting a borrower's financing requirements, but that syndicated loans are more complex and impose additional risks to the parties in the way they are arranged. The existing explantions of loan syndication - that they are hybrids of private bank loans and public debt instruments, that syndication is a portfolio management tool, and that loans are syndicated where they are too large to be provided bilaterally -

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22

Wild, William. "The economic basis of syndicated lending." Queensland University of Technology, 2004. http://eprints.qut.edu.au/16114/.

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This work undertakes the first comprehensive theoretical assessment of syndicated loans. It is shown that syndicated and bilateral (single lender) loans should be good substitutes in meeting a borrower's financing requirements, but that syndicated loans are more complex and impose additional risks to the parties in the way they are arranged. The existing explantions of loan syndication - that they are hybrids of private bank loans and public debt instruments, that syndication is a portfolio management tool, and that loans are syndicated where they are too large to be provided bilaterally -

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23

Nicolas, Théo. "Essays on SME finance and banking." Thesis, Paris 1, 2018. http://www.theses.fr/2018PA01E049.

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Dans un environnement économique encore fragilisé par la Grande Récession, les PME apparaissent comme un moteur essentiel de l’activité et de l’emploi. Dans cette thèse, j’examine les déterminants et les conséquences des contraintes financières des PME aﬁn d’identifier les formes de financement bancaire les mieux adaptées à leurs situations. Le premier chapitre analyse les effets des modèles d’activité bancaire sur le financement des PME et montre que les banques de trading augmentent les contraintes de crédit de court terme ainsi que les coûts de financement. Surtout, l’externalité négative d

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Ryan, Joseph James. "Credit where credit is due lending and borrowing in Rio de Janeiro, 1820-1900 /." Diss., Restricted to subscribing institutions, 2007. http://proquest.umi.com/pqdweb?did=1459904611&sid=1&Fmt=2&clientId=1564&RQT=309&VName=PQD.

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Speight, George. "Building society behaviour and the mortgage lending market in the interwar period : risk-taking by mutual institutions and the interwar house-building boom." Thesis, University of Oxford, 2000. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.365489.

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26

Московчук, Т. С. "Ринок споживчого кредитування в Україні: проблеми та перспективи розвитку". Thesis, Одеський національний економічний університет, 2021. http://local.lib/diploma/Moskovchuk.pdf.

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Доступ до роботи тільки на території бібліотеки ОНЕУ, для переходу натисніть на посилання нижче<br>У роботі розглядаються теоретичні аспекти споживчого кредитування в Україні. В першому розділі досліджено основні визначення щодо споживчого кредитування та описано структуру ринку споживчого кредитування. У другому розділі проаналізовано споживче кредитування на прикладі АТ «Райффайзен Банк» та ринок споживчого кредитування під регулюванням Національного Банку України. Запропоновано напрямки розвитку ринку споживчого кредитування в умовах цифровізації та внесено рекомендації щодо розвитку кредит

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27

Neal, William R. (William Russell). "Characteristics of Texas Border and Non-Border Banks and a Comparison of their Lending Practices." Thesis, University of North Texas, 1994. https://digital.library.unt.edu/ark:/67531/metadc278075/.

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This thesis presents a comparison of the loan to deposit ratios of Texas banks along the Mexican border and banks located throughout the rest of the state. Mean characteristics of the two groups (i.e. border and non-border groups) are presented. A multivariate regression model is used to examine the extent to which various operating ratios of the banks and differing economic conditions of the communities in which the banks are located help explain the loan to deposit ratios of the banks involved in this study. The model incorporates data from 1984-1989. No evidence was found to refute the hypo

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28

Garcia, De kuhnert Yamileh. "Essays on banking : shareholders' incentives, capital allocation efficiency, and bank performance." Thesis, University of Manchester, 2014. https://www.research.manchester.ac.uk/portal/en/theses/essays-on-banking-shareholders-incentives-capital-allocation-efficiency-and-bank-performance(015c23e1-f174-44c1-b174-ebfe3707061b).html.

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In this thesis, we use a wide cross-sectional sample of both privately held and publicly listed European banks over the period 1999 to 2008 to analyse the role played by bank shareholder incentives in the performance of banks and, ultimately, on the capital allocation efficiency of the economy as a whole. In our first essay, we use the entire range of Bankscope and Amadeus Top 250,000 to construct the portfolios of shareholders who hold equity stakes in banks for each year. We show that about 62 per cent of the ultimate largest shareholders of banks are diversified investors, holding on averag

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29

Zins, Alexandra. "Essays on banking in Africa." Thesis, Strasbourg, 2018. http://www.theses.fr/2018STRAB005/document.

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Cette thèse étudie les systèmes bancaires africains et se concentre tout particulièrement sur la question de l’actionnariat bancaire et de ses impacts. Le premier chapitre étudie l’efficience de coût. Les banques étrangères sont plus efficientes que les banques domestiques et les banques panafricaines sont les banques les plus efficientes du continent. Le second chapitre étudie la cyclicité des portefeuilles de prêt. La croissance des prêts des banques africaines est sensible à l’évolution de la croissance du PIB par habitant. Les banques panafricaines ont une croissance des prêts moins cycliq

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30

Vera, David. "Essays on the monetary transmission mechanism, changes in the United States banking system and small business lending." Diss., Connected to a 24 p. preview or request complete full text in PDF format. Access restricted to UC campuses, 2005. http://wwwlib.umi.com/cr/ucsd/fullcit?p3179190.

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Thesis (Ph. D.)--University of California, San Diego, 2005.<br>Title from first page of PDF file (viewed February 28, 2006). Available via ProQuest Digital Dissertations. Vita. Includes bibliographical references.

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Zurek, Maximilian [Verfasser], and Klaus [Akademischer Betreuer] Schäfer. "Influences of Regional Economics on Banking Relationships and Lending : Evidence from Germany / Maximilian Zurek ; Betreuer: Klaus Schäfer." Bayreuth : Universität Bayreuth, 2021. http://d-nb.info/1229505342/34.

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Albertazzi, Ugo. "Essays in banking." Doctoral thesis, Universite Libre de Bruxelles, 2011. http://hdl.handle.net/2013/ULB-DIPOT:oai:dipot.ulb.ac.be:2013/209878.

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Cette thèse contient trois études sur le fonctionnement des banques.<p>Le premier Chapitre analyse empiriquement comment la capacité d’offrir des emprunts à long terme est influencée par la dimension des intermédiaires financiers.<p>Le deuxième Chapitre analyse, avec un model théorique caractérisé par la présence de soft-budget constraint, ratchet effect et short-termism, comment la pression compétitive influence la capacité des banque de financer le firmes ayant des projets de bonne qualité.<p>Le troisième Chapitre examine, avec un model théorique du type moral hazard common agency, le confli

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33

Ozalp, Dizem. "Small And Medium-sized Enterprises And Banking Sector In Turkey." Master's thesis, METU, 2006. http://etd.lib.metu.edu.tr/upload/3/12607995/index.pdf.

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This study has the objective of arguing the fact that the Small and Medium-sized Enterprise (SME) lending is developing, relevant to the evolution of the business environment and banking sector, during the period between 2001 &amp<br>#8211<br>2006 years. The thesis is testing this claim on two data sets. First<br>the financial data of CBRT during the period of 2001 - 2006 is evaluated. Then, the SME data of a Bank is evaluated. The thesis also covers the arguments on SME definition, the literature survey for SME development policies, SME lending infrastructure, the banking sector, as the main

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Хворост, Оксана Олексіївна, Оксана Алексеевна Хворост, Oksana Oleksiivna Khvorost та А. С. Баранова. "Формування кредитно-банківської системи". Thesis, Видавництво СумДУ, 2007. http://essuir.sumdu.edu.ua/handle/123456789/18380.

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Ткаченко, Анатолій Олександрович, Анатолий Александрович Ткаченко, Anatolii Oleksandrovych Tkachenko та В. П. Москаленко. "Обеспечение устойчивого финансового положения предприятий и роль банковского кредитования". Thesis, Українська академія банківської справи Національного банку України, 2004. http://essuir.sumdu.edu.ua/handle/123456789/62580.

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Главный итог развития экономики Украины в последние четыре года – наличие роста макроэкономических показателей.<br>The main result of the development of the Ukrainian economy in the last four years is the availability of growth of macroeconomic indicators.

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36

Li, Yuan Olivero Maria Jeon Bang Nam. "Market structure in banking and the bank lending channel : evidence from the bank-level data in Asian and Latin American countries /." Philadelphia, Pa. : Drexel University, 2009. http://hdl.handle.net/1860/3137.

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Posey, Raymond L. Jr. "Analysis of the Terms of Bank Lending and Risk Management: Three Essays on Small Business Loans." Cleveland State University / OhioLINK, 2010. http://rave.ohiolink.edu/etdc/view?acc_num=csu1268432575.

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Fernandes, Lara Mónica Machado. "Interbank Linkages and Contagion Risk in the Portuguese Banking System." Master's thesis, Instituto Superior de Economia e Gestão, 2011. http://hdl.handle.net/10400.5/3379.

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Mestrado em Economia Monetária e Financeira<br>Interbank money markets play a fundamental role in financial systems, since they allow for the redistribution of liquidity between financial institutions. However, they can also be a channel through which problems in one institution can spread to the remaining ones. In particular, the potential for contagion stemming from interbank money markets is closely related with the pattern of interbank lending relationships. In this study, we characterize the Portuguese overnight interbank money market between 1999 and 2009 and analyze its inherent potenti

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Madani-Beyhurst, Shirin. "Essays on the banking sector of Luxembourg." Thesis, Strasbourg, 2017. http://www.theses.fr/2017STRAB003.

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Cette thèse étudie le secteur bancaire du Luxembourg sous trois angles différents. Elle apporte de nouveaux éléments de débat sur un secteur bancaire souvent commenté mais rarement étudié. En outre, dans chacun des trois chapitres, les impacts de la crise financière sont étudiés. Chapitre 1: Création de liquidité par les banques du Luxembourg. Ce chapitre évalue la quantité liquidité créée par les banques. Nous constatons que cette création a plus que doublé entre 1999 et 2011. Cependant, la liquidité créée a commencé à diminuer en 2009 et en 2011, elle n’était toujours pas revenu au niveau d'

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Heyert, Axelle. "Essays on banking and society." Electronic Thesis or Diss., Strasbourg, 2025. http://www.theses.fr/2025STRAB001.

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This dissertation examines the relationship between banking and society. It contributes to a better understanding of how banking affects society and, in turn on how society shapes banking practices. The first chapter studies the impact of inflation on trust in banks. Chapter two deals with the effect of trust in banks on financial inclusion. The third chapter investigates whether financial inclusion influences life satisfaction. Chapter four delves into how female bank leadership affects firm credit. The final chapter focuses on the influence of bank leaders’ age on sustainable lending. Overal

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Peltoniemi, J. (Janne). "The value of relationship banking:empirical evidence on small business financing in Finnish credit markets." Doctoral thesis, University of Oulu, 2004. http://urn.fi/urn:isbn:9514275713.

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Abstract The role of relationship banking has been the subject of intensive discussion in recent years. A large body of the literature has examined the benefits and costs related to lender-borrower relationships in small business finance. Despite the numerous studies conducted in both market-based and bank-based economies, the specific sources of the determinants of the value of relationship lending are ambiguous. However, many research results imply that a close and long-term relationship with the bank is desirable for small businesses. In this study, we investigate the sources of value in F

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Saliya, Candauda Arachchige. "Role of bank lending in sustaining income/ wealth inequality in Sri Lanka." AUT University, 2009. http://hdl.handle.net/10292/824.

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The purpose of this PhD thesis is to make a contribution to existing knowledge in the field of critical accounting by studying credit mechanisms and their link to income/wealth inequality in Sri Lankan society and the role of accounting technology in facilitating such mechanisms. The literature review revealed that: a) Global inequality is aggravated by the disparity of economic development which is possible only through state intervention; b) Unemployment is considered as a dilemma for economic development in developing countries by most politicians/administrators/researchers; c) In any count

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Floyd, Tamarin Angela. "Investigating the application of banking regulation to online peer-to-peer lending platforms in South Africa to counter systemic risk." Diss., University of Pretoria, 2017. http://hdl.handle.net/2263/64844.

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The behaviour and activities of online peer-to-peer lending platforms have evolved in different ways across jurisdictions, not fitting neatly within existing financial regulatory frameworks. Together with the growth momentum of the industry and the cases where losses were suffered, this culminated in a call to regulate peer-to-peer lending platforms adequately. The research presents an analysis of online peer-to-peer lending platforms through the lens of banking theory, questioning whether peer-to-peer platforms are behaving like banks and whether they pose systemic risk. These research questi

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REBI, ERJONA. "The impact of the housing market on the Albanian banking sector." Doctoral thesis, Università degli Studi di Roma "Tor Vergata", 2016. http://hdl.handle.net/2108/202667.

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Gli studi sull'impatto dei prezzi delle case nel settore bancario hanno guadagnato più importanza dopo la crisi finanziaria del 2008. Era l'interferenza di imperfezione del mercato immobiliare con quella del mercato finanziario che ha causato l'ultima crisi. Il mercato immobiliare è un settore importante per le banche albanesi. Il finanziamento del mercato immobiliare domina i mutui individuali, e al tempo stesso le case rappresentano una quota elevata di garanzie prestate. Questo studio si propone di valutare il ruolo che il mercato immobiliare svolge per il settore bancario in Albania. Il la

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Van, der Westhuizen Michelle Daleen. "BASEL III and unsecured lending in the banking industry in South Africa : a look into the risk coverage of ABIL and Capitec Bank Holdings Limited since the introduction of BASEL III." Thesis, Stellenbosch : Stellenbosch University, 2014. http://hdl.handle.net/10019.1/97289.

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Thesis (MBA)--Stellenbosch University, 2014.<br>ENGLISH ABSTRACT: According to Vestergaard and Wade (2012:486), “No financial or bank crisis has ever occurred from something ex-ante perceived as risky”. On the contrary – according to Per Kurowski (2010 in Vestergaard & Wade 2012:486) “they have all resulted, no exceptions, from excessive lending or investment in something perceived as not risky”. BASEL III, also known as the Third BASEL Accord, was developed by the Basel Committee on Banking Supervision (BCBS) as a comprehensive set of measures to strengthen regulation and risk management and

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Kirsch, Steffen [Verfasser], and Hans-Peter [Akademischer Betreuer] Burghof. "Essays in relationship banking : the efficiency of savings-linked relationship lending and credit information sharing / Steffen Kirsch ; Betreuer: Hans-Peter Burghof." Hohenheim : Kommunikations-, Informations- und Medienzentrum der Universität Hohenheim, 2018. http://d-nb.info/1152321196/34.

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Петровська, Н. В. "Особливості оподаткування кредитних операцій у банківських установах". Thesis, Українська академія банківської справи Національного банку України, 2010. http://essuir.sumdu.edu.ua/handle/123456789/62445.

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Дослідження проблеми оподаткування кредитних операцій містить у собі аналіз діючої практики оподаткування банківських операцій, а також вивчення впливу податків на їх роботу. Актуальність даних питань викликана недостатньою науковою розробленістю податкового аспекту регулювання діяльності банків і зумовленою цим суперечливістю думок, оцінок і пропозицій, висловлюваних щодо діючої системи податкових правовідносин держави з банківським сектором.

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Suwanaporn, Chodechai. "Determinants of bank lending in Thailand : an empirical examination for the years 1992 to 1996 /." Frankfurt am Main [u. a.] : Lang, 2003. http://www.gbv.de/dms/zbw/359442870.pdf.

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Meyer, Petrus Gerhardus. "Determinants of credit risk mitigation in lending to Black Economic Empowerment (BEE) companies, from a banker's perspective." Diss., Unisa, 2005. http://hdl.handle.net/10500/163.

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Credit risk mitigation that can be applied by commercial banks in assessing the lending decision /credit risk when advances and equity investments are considered for BEE classified companies.<br>A research report presented to the Graduate School of Business Leadership, University of South Africa<br>The previous political dispensation limited black people’s participation in the South African economy. Poor credit records, lack of training, resulting in skills and capacity gaps further limited entry into the lending market. These aspects are considered the main limitations in obtaining finance

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Cho, Hyun Koo. "The American banker as international investor have the new banking powers in the U.S. increased the volatility of lending into emerging economies? /." College Park, Md. : University of Maryland, 2007. http://hdl.handle.net/1903/6743.

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Thesis (Ph. D.) -- University of Maryland, College Park, 2007.<br>Thesis research directed by: Public Policy. Title from t.p. of PDF. Includes bibliographical references. Published by UMI Dissertation Services, Ann Arbor, Mich. Also available in paper.

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