Academic literature on the topic 'Branch lending'
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Journal articles on the topic "Branch lending"
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Levine, Ross, Chen Lin, Qilin Peng, and Wensi Xie. "Communication within Banking Organizations and Small Business Lending." Review of Financial Studies 33, no. 12 (2020): 5750–83. http://dx.doi.org/10.1093/rfs/hhaa036.
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Abstract We investigate how communication within banks affects small business lending. Using travel times between a bank’s headquarters and its branches to proxy for the costs of communicating soft information, we exploit shocks to these travel times—the introduction of new airline routes—to evaluate the impact of within-bank communication costs on small business loans. We find that reducing headquarters-branch travel time boosts small business lending in the branch’s county. Several extensions suggest that new airline routes facilitate in-person communications that boost small-firm lending.
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Dodson, Charles, and Marvin Duncan. "Does FCS Association Size Affect Credit Availability?" Journal of Agricultural and Applied Economics 31, no. 2 (1999): 229–39. http://dx.doi.org/10.1017/s1074070800008518.
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AbstractAn analysis of the characteristics of farm businesses by size of FCS direct lending association suggests that further consolidation of FCS lending should have limited negative impacts on credit availability. Commercial-sized farm businesses with FCS real estate debt appeared similar to those who obtained credit from competing lenders, but smaller associations and those with fewer stockholders per branch appeared to serve larger and more wealthy commercial-sized farms.
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Cetorelli, Nicola, and Linda S. Goldberg. "Follow the Money: Quantifying Domestic Effects of Foreign Bank Shocks in the Great Recession." American Economic Review 102, no. 3 (2012): 213–18. http://dx.doi.org/10.1257/aer.102.3.213.
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Foreign banks pulled significant funding from their US branches during the Great Recession. We estimate that the average-sized branch experienced a twelve percent net internal fund “withdrawal,” with the fund transfer disproportionately bigger for larger branches. This internal shock to the balance sheet of US branches of foreign banks had sizable effects on their lending. On average, for each dollar of funds transferred internally to the parent, branches decreased lending supply by about forty to fifty cents. However, the extent of the lending effects was very different across branches depending on their pre-crisis modes of operation in the United States.
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., Purwanto, and Apriyanti . "PENGARUH PENILAIAN PEMBIAYAAN TERHADAP KEPUTUSAN PEMBERIAN PEMBIAYAAN KREDIT MOBIL PADA PT. TRIHAMAS FINANCE CABANG MADIUN." Capital: Jurnal Ekonomi dan Manajemen 1, no. 1 (2018): 16. http://dx.doi.org/10.25273/capital.v1i1.2134.
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<p>This study aimed to obtain findings about the influence eksplanitif tested financing vote against the decision to grant credit. This study uses a quantitative research design causal. The subjects were Pt. TrihamasMadiun branch and its object is the credit assessment and lending decisions are collected using a questionnaire and analyzed using multiple linear regression analysis. The results showed that the assessment of financing postitif 5C and significant influence lending decisions. </p><p><br /><strong>Keywords:</strong> Assessment of financing, lending decisions. </p>
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Silalahi, Tumpak, Wahyu Ari Wibowo, and Linda Nurlian. "IMPACT OF GLOBAL FINANCIAL SHOCK TO INTERNATIONAL BANK LENDING IN INDONESIA." Buletin Ekonomi Moneter dan Perbankan 15, no. 2 (2012): 75–110. http://dx.doi.org/10.21098/bemp.v15i2.423.
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This study intends to determine whether a shock that occurred in developed countries, the source of funding, was transmitted to Indonesia through international bank lending both directly and indirectly. The methods used estimated the determinants of international bank lending. International bank lending is one form of capital flows that have the potential for rapid reversal and that can lead to a financial crisis as it has in the past. Understanding the determinants of bank lending is important as it can be used to mitigate the impact of a financial crisis in the future. The empirical results showed that international bank lending, either directly or indirectly, contributed to the Indonesian crisis. During the shock, Indonesia saw global banking contract financing. It was also found that credit activities by foreign affiliates in Indonesia saw a contraction in the country of the parent bank during the shock. However, it was found that the bank lending by foreign affiliates, as joint ventureswere more stable compared to the branch offices of a foreign bank. In aggregate, international bank lending is affected by push and pulls factors such as economic growth (in developed countries and Indonesia), risk factors, and liquidity conditions, both in Indonesia and globally. As for micro-banking models, other than the push and pull factors, the bank balance sheet and other portfolio assets also affected bank lending activities to Indonesia. Keywords: Global Financial Shocks, Foreign Affiliates, International Bank Lending, transmission path,dynamic panel.JEL Classification: C33, E51, G15
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Silalahi, Tumpak, Wahyu Ari Wibowo, and Linda Nurliana. "IMPACT OF GLOBAL FINANCIAL SHOCK TO INTERNATIONAL BANK LENDING IN INDONESIA." Buletin Ekonomi Moneter dan Perbankan 15, no. 2 (2012): 77–114. http://dx.doi.org/10.21098/bemp.v15i2.63.
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This study intends to determine whether a shock that occurred in developed countries, the source of funding, was transmitted to Indonesia through international bank lending both directly and indirectly. The methods used estimated the determinants of international bank lending. International bank lending is one form of capital flows that have the potential for rapid reversal and that can lead to a financial crisis as it has in the past. Understanding the determinants of bank lending is important as it can be used to mitigate the impact of a financial crisis in the future. The empirical results showed that international bank lending, either directly or indirectly, contributed to the Indonesian crisis. During the shock, Indonesia saw global banking contract financing. It was also found that credit activities by foreign affiliates in Indonesia saw a contraction in the country of the parent bank during the shock. However, it was found that the bank lending by foreign affiliates, as joint ventureswere more stable compared to the branch offices of a foreign bank. In aggregate, international bank lending is affected by push and pulls factors such as economic growth (in developed countries and Indonesia), risk factors, and liquidity conditions, both in Indonesia and globally. As for micro-banking models, other than the push and pull factors, the bank balance sheet and other portfolio assets also affected bank lending activities to Indonesia.Keywords: Global Financial Shocks, Foreign Affiliates, International Bank Lending, transmission path,dynamic panel.JEL Classification: C33, E51, G15
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Ramadhani, Ika. "Tinjauan Hukum Tentang Penjualan Aplikasi Berbayar Dengan Cara Pinjam Akun Pribadi (Apple Id)." UIR Law Review 2, no. 2 (2018): 370. http://dx.doi.org/10.25299/uirlrev.2018.vol2(02).1551.
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The research was aimed at knowing the validity of the sales of paid apps by lending personal account (Apple ID) based on software lisence and the legal impact of selling paid apps by lending personal account (Apple ID). The research was a normative legal research. The approach used were statutory and conceptual approaches. Legal source used were primary, secondary, tertiary legal resources. Legal sources were collected by using literature study supplemented with interview. The collected legal sources were analyzed qualitatively. The research results indicate that the sales of paid apps by lending personal account (Apple ID) based on software lisence constitutes an illegal act because there is no right use transfer between Apple as the provider of apps that are available in App Store to the owner of Apple ID as the user of the application. The legal impact of the sales of paid apps by lending personal account constitutes branch of a contract which can be asked for liability based on Article 32 Law No 11 of 2008 concerning Information Electronic Transactions, Law No 28 of 2014 corcerning Copyright. And Terms and Condition provided by Apple Inc.The research was aimed at knowing the validity of the sales of paid apps by lending personal account (Apple ID) based on software lisence and the legal impact of selling paid apps by lending personal account (Apple ID). The research was a normative legal research. The approach used were statutory and conceptual approaches. Legal source used were primary, secondary, tertiary legal resources. Legal sources were collected by using literature study supplemented with interview. The collected legal sources were analyzed qualitatively. The research results indicate that the sales of paid apps by lending personal account (Apple ID) based on software lisence constitutes an illegal act because there is no right use transfer between Apple as the provider of apps that are available in App Store to the owner of Apple ID as the user of the application. The legal impact of the sales of paid apps by lending personal account constitutes branch of a contract which can be asked for liability based on Article 32 Law No 11 of 2008 concerning Information Electronic Transactions, Law No 28 of 2014 corcerning Copyright. And Terms and Condition provided by Apple Inc.
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Nguyen, Hoai-Luu Q. "Are Credit Markets Still Local? Evidence from Bank Branch Closings." American Economic Journal: Applied Economics 11, no. 1 (2019): 1–32. http://dx.doi.org/10.1257/app.20170543.
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This paper studies whether distance shapes credit allocation by estimating the impact of bank branch closings during the 2000s on local access to credit. To generate plausibly exogenous variation in the incidence of closings, I use an instrument based on within-county, tract-level variation in exposure to post-merger branch consolidation. Closings lead to a persistent decline in local small business lending. Annual originations fall by $453,000 after a closing, off a baseline of $4.7 million, and remain depressed for up to six years. The effects are very localized, dissipating within six miles, and are especially severe during the financial crisis. (JEL G21, G34, L22, R12, R32)
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Dmitriev, A. M. "THEORETICAL APPROACHES TO SIMULATION OF OPTIMAL INTER-BRANCH LENDING RATES IN HOLDING COMPANIES." Вестник Алтайской академии экономики и права 1, no. 12 2020 (2020): 72–83. http://dx.doi.org/10.17513/vaael.1477.
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Ali, Jamaluddin, and Mujahidin Mujahidin. "Pengaruh Pemberian Kredit terhadap Return On Asset pada PT. Bank Rakyat Indonesia (Persero), Tbk Cabang Pondok Aren Periode Tahun 2010-2019." Jurnal Neraca Peradaban 1, no. 1 (2021): 14–20. http://dx.doi.org/10.55182/jnp.v1i1.29.
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This study aims to determine the effect of Lending on Return On Assets at PT. Bank Rakyat Indonesia (Persero), Tbk Pondok Aren Branch. The method used is explanatory research. The analysis technique uses statistical analysis with regression testing, correlation, determination and hypothesis testing. The results of this study, the variable of credit provision obtained an average value of 406.387 billion%. The return on assets variable obtained an average value of 5.403 %%. Lending has a positive and significant effect on Return On Assets with a regression equation value of Y = 2.254 + 0.008X, and a correlation coefficient value of 0.775 or has a strong level of relationship with a determination value of 60.0%. Hypothesis testing obtained a significance of 0.000 <0.05.
Dissertations / Theses on the topic "Branch lending"
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Дутченко, Олена Олегівна, Олег Николаевич Дутченко та Oleh Mykolaiovych Dutchenko. "Напрямки вдосконалення банківського кредитування з урахуванням галузевих особливостей". Thesis, Українська академія банківської справи Національного банку України, 2007. http://essuir.sumdu.edu.ua/handle/123456789/59922.
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У тезах розглянуто напрямки вдосконалення банківського кредитування з урахуванням галузевих особливостей.<br>Ways for improvement of the bank lending with provision for branch particularities are considered in the article.
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Перзеке, Н. Б. "Открытие временных отделений банка в курортных городах при инвестированном кредитовании". Thesis, Украинская академия банковского дела Национального банка Украины, 2010. http://essuir.sumdu.edu.ua/handle/123456789/62029.
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При банковском инвестиционном кредитовании на территории
крымских курортов банки могут получать дополнительную выгоду,
включая в кредитные соглашения некоторые дополнительные пункты.
В летний сезон со стороны отдыхающих на крымских курортах суще
ствует повышенный спрос на некоторые банковские услуги. В первую
очередь это услуги, связанные с получением денежных переводов, полу
чением наличности по пластиковым картам и обменом валюты. Во многих местах банковских отделений явно недостаточно для оказания этих услуг.
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Тарасов, С. Р. "Управління індивідуальним кредитним ризиком в умовах циклічності економіки". Master's thesis, Сумський державний університет, 2018. http://essuir.sumdu.edu.ua/handle/123456789/71071.
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На основі огляду вітчизняних та іноземних джерел було досліджено поняття індивідуального кредитного ризику банку; доведено вплив економічного циклу на кредитування; на основі звітності банків України визначено циклічні галузі економіки; запропоновано розраховувати показник концентрації галузевого кредитування, на основі якого банк зможе коригувати свою кредитну політику враховуючи можливі коливання економічного циклу і, як наслідок, попереджувати настання наслідків кредитного ризику.<br>На основе обзора отечественных и иностранных источников было исследовано понятие индивидуального кредитного риска банка; доказано влияние экономического цикла на кредитование; на основе отчетности банков Украины определены циклические отрасли экономики; предложено рассчитывать показатель концентрации отраслевого кредитования, на основе которого банк сможет корректировать свою кредитную политику учитывая возможные колебания экономического цикла и, как следствие, предупреждать наступления последствий кредитного риска.<br>The concept of individual credit risk of the bank is investigated on the basis of review of domestic and foreign sources; the impact of the economic cycle on lending is proved; defined cyclical branches of economy based on the reporting of banks in Ukraine; it is proposed to calculate the indicator of the concentration of sectoral lending, on the basis of which the bank will be able to adjust its credit policy taking into account possible fluctuations of the economic cycle and, as a consequence, to prevent the onset of the effects of credit risk.
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Huttunen, Kristina, and Johan Schedvins. "Banken och kunderna : En studie om bankmedarbetares och företagskunders upplevda behov av kontakt i det fysiska rummet." Thesis, KTH, Fastigheter och byggande, 2018. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-231859.
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99,9% av Sveriges företag är SMEs (små och medelstora företag), och de små företagen är viktiga bland annat för att hålla arbetslösheten nere. Trots det minskar antalet krediter till dessa företag. De fysiska bankkontoren försvinner, framför allt i mindre städer och orter, samtidigt som användningen av digitala tjänster ökar. I medierna riktas kritik mot bankerna och många menar att bankerna bara bryr sig om storstadsregionerna. Problemet är alltså att antalet bankkontor minskar, och detta gör att bankpersonal och kunder får minskade möjligheter att mötas i det fysiska rummet. Syftet med uppsatsen är att ta reda på hur relationen mellan banker och kunder i segmentet SMEs i mindre städer kan påverkas av möjligheten till kontakt i det fysiska rummet.Tidigare studier visar att det är fördelaktigt för företagskunder, särskilt SMEs, att ha en god relation till sin bank. Då ökar sannolikheten att få krediter beviljade samt att få bättre anpassade tjänster och finansiella produkter. En tidigare studie om bankkunder i Hong Kong visade att de är illojala mot sina banker, och att kostnaden att byta bank är liten jämfört med att “stå ut” med dålig service.För att nå syftet upprättades sju semistrukturerade intervjuer med personal från banker i mindre städer och orter, samt tre av deras företagskunder i SME-segmentet. Dessa intervjuer analyserades med hjälp av teorier om relationer och vad som gör kunder nöjda och i förlängningen lojala. Vi kom då fram till, i enlighet med teorin, att personlig kontakt verkar göra att kundnöjdheten och därmed också kundlojaliteten ökar. Personlig kontakt är viktig både för relationsbyggande och vid kreditbedömning, särskilt i segmentet SMEs eftersom det ofta saknas underlag för att göra en säker kvantitativ bedömning. Intervjusvaren tyder på att de företagskunder som intervjuats generellt, i motsats till den tidigare studien om lojalitet, är mycket lojala, särskilt i mer glesbefolkade områden där det finns få banker med kontor i närheten. I områden med fler alternativ ser bankpersonalen något oftare att kunder byter bank. Några av bankerna där vi intervjuat personal är just nu mitt i en förändring då bankkontor ska eller har stängts ner, vilket tyder på att antalet bankkontor fortsätter att minska. Detta trots att både bankpersonalen och de företagskunder vi intervjuat anser att bankkontoren är viktiga och att lokal närvaro och lokalkännedom bidrar till positiva synergieffekter för företagskunderna.I framtiden skulle vi gärna se en bredare studie av relationen ur företagens synvinkel. Det vore intressant med en studie som mer ingående ser på hur stort behov företag har generellt av bankkontor och kontakt med bankpersonal i det fysiska rummet.<br>99,9% of all companies in Sweden are SMEs (small and medium sized enterprises), and these smaller companies are important for the employment rate. Despite this the number of credits for SMEs is decreasing. The bank branches are being closed down, especially in smaller cities, and meanwhile the usage of digital banking services is increasing. There have been several media articles discussing this matter and many believe that the banks only care about the more densely populated urban regions. The problem is that the number of bank branches is decreasing, and this means that the bank personnel and its customers have smaller chances of meeting in person. In this thesis we have studied the relationship between banks and their customers in the SME segment and how it can be affected by the opportunity for contact in person.Earlier studies show that it is beneficial for bank customers, especially SMEs, to have a good relationship with their bank. It increases the possibility for bank credits and for better service. An earlier study regarding bank customers in Hong Kong shows that they are generally illoyal to their banks, and that the cost of changing banks is small compared to receiving bad service.We performed seven semi-structured interviews with bank personnel from smaller cities, and three interviews with their SME customers. These interviews were analyzed with theories regarding relationships, customer satisfaction and customer loyalty. We found that, just like in the theories, personal contact seems to increase customer satisfaction, which also means that the customer loyalty increases. Personal contact is important both for building a relationship and increases the possibility to yield bank credits, especially in the SME segment, because it is difficult to find enough financial information to calculate a good credit score for companies in the segment. The answers from the interviews show that SMEs are generally very loyal to their banks, especially in more rural areas, where there are few banks with local bank branches. In areas with more alternatives the bank personnel can see that customers change banks more often. Some of the banks where we have interviewed personnel are currently closing down or have recently closed down bank branches. This suggests that the number of branches is still decreasing, despite the fact that both the bank personnel and the SMEs we have interviewed believe that the bank branches are important and that local presence and local knowledge create synergy effects for businesses.In the future we would like to see a broader study of the relationship from the businesses’ viewpoint. It would be interesting to study more in detail how important the bank branches, and contact with bank personnel in person, is to businesses in general.
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Anh, Nguyen Tuan, and Nguyen Tuan Anh. "Financial Analysis of Investment Project : Lending Activities of Vietnam Joint Stock Commercial Investment and Development Bank - Hatay Branch." Thesis, 2015. http://ndltd.ncl.edu.tw/handle/86706510820163137768.
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碩士<br>龍華科技大學<br>企業管理系碩士班<br>103<br>In business activities of Vietnamese commercial banks, credit is one of the activities that generate the highest profit to banks. However, this activity also bears high risks. In order to limit risks, good financial appraisal of project is very important in considering to grant credit to customers and it is a very significant stage in considering and approving credit to customers.
If the stage of financial appraisal is good, it will ensure return capacity of the projects, minimize financial damages for the bank, ensure benefits of customers and raise reputation of the bank in market.
For such significance, the analysis, measurement and recommendation of solutions to improve effectiveness of financial appraisal of credit projects is very necessary and practically significant for sustainable development of Joint Stock Commercial Bank for Investment and Development of Vietnam in general and Ha Tay branch in particular.
After a time of researching the implementation and consideration of lending at Joint Stock Commercial Bank for Investment and Development of Vietnam – Ha Tay Branch with combination of theory and practice, being aware of such issue, I choose the topic “Financial analysis of investment project: lending activities of Vietnam Joint Stock Commercial Investment and Development Bank” for my graduation thesis.
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LIN, LI-CHIN, and 林麗琴. "A Study on Relationship between Customer’s Background of Credit Loans and Lending Practices – Case of Central Branch of A Bank." Thesis, 2016. http://ndltd.ncl.edu.tw/handle/er4ne7.
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碩士<br>朝陽科技大學<br>財務金融系<br>104<br>This research investigates the relationship between loan customer background and the behavior, aiming to collect data from the market, promote products to target customers, and finally help loan officers expand their business.
Questionnaire investigation targeted at loan customers of a bank in Taichung is conducted in this research. The result exhibits that the features of customers who apply for larger amount of loans are mostly male, married, aged between 31 and 45, and with average income between 20,000 and 35,000. This suggests that loan officers can promote loans to customers who satisfy the features above to increase loan amount.
Keyword: Credit Loans, Market analysis, Customer analysis
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Thanh, Hoang Thanh, and Hoang Thanh Thanh. "Financial Appraisal in Lending to Small and Medium Enterprises at Joint Stock Commercial Bank for Investment and Development of Vietnam–Hong Ha Branch." Thesis, 2018. http://ndltd.ncl.edu.tw/handle/xnzekt.
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碩士<br>國立雲林科技大學<br>企業管理系<br>106<br>In the operation of the current commercial banks, credit is a business area resulting in the primary sales for banks and this is also an important fund channel for enterprises when the financial markets has not been developed yet.
On the Vietnam's current market, small and medium enterprises (SMEs) account for 97% of the total number of enterprises. Therefore, commercial banks in the past time, especially interested in lending to create investments for customers are SMEs. The reason is that the market SMEs is very potential; investing in the object SMEs is low risk and meets the requirements for risk diversification of the Bank.
However, in recent years, the difficulties of the economy have caused significant impacts on enterprises, especially SMEs leads to the situation of declaring bankruptcy. This directly affects the operation of the bank credit. Therefore, to improve credit quality, safety and business efficiency, financial evaluation in loans for SMEs is essential and more concern by the banks.
BIDV - Hong Ha Branch is one of the credit institutions with a large scale in the Ha Noi capital city. Loan operation for SMEs accounts for the high proportion of total outstanding loans. However, financial evaluation work in loans in the last time has been limited, which results in loan risks and loss of capital city.
In the framework of this thesis, the author combines theory and practice to have an overview look of the basic issues relating to the work of the financial evaluation in loans to SMEs, analyzes assessing the situation financial evaluation for SMEs in BIDV - Hong Ha branch, finds the causes of the limitations of this work to propose some solutions to improve the quality of financial evaluation in loan for SMEs in BIDV -Hong Ha branch. The author believes that this dissertation is consistent with what agencies expect.
Books on the topic "Branch lending"
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P, Satish, and Bankers Institute of Rural Development, eds. Transaction costs of SHG lending-impact on branch viability. Bankers Institute of Rural Development, 2000.
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Association, American Bankers, ed. Branch productivity for the '90s: Seven lending perspectives. American Bankers Association, 1994.
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Doyle, E. P., and P. Gerrard. Branch Banking: Lending and Marketing (Personal Course for Bankers). Northwick Publishers, 1991.
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Cib Study Text: Associateship Option Papers - Branch Banking: Lending & Marketing (9/90) (CIB Study Texts). BPP Publishing Ltd, 1990.
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CIB Practice & Revision Kit: Associateship Option Papers - Branch Banking: Lending & Marketing (1/91) (CIB Practice & Revision Kits). BPP (Letts Educational) Ltd, 1991.
Find full textBook chapters on the topic "Branch lending"
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Mariia, Ermilova. "Financing at the Housing Market." In Global Trends of Modernization in Budgeting and Finance. IGI Global, 2019. http://dx.doi.org/10.4018/978-1-5225-7760-7.ch007.
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Instruments of financing at the housing market allow increasing the efficiency of branch operation, accumulating more money resources, and redistributing them among the segments of this market. The chapter is based on the analysis of the housing markets' functioning in different countries, taking into account the possibilities of their financing. Recommendations have been formulated on the use of the foreign countries' experience in Russian practice in order to improve the efficiency of financing for the housing market in Russia. It is determined that the main instrument of financing at the majority of national housing markets is mortgage lending. The author has analyzed single-level and two-level models of mortgage lending to determine the advantages and disadvantages each of them has. In the German model, such a mechanism is implemented as a system of “building saving,” which involves gradual accumulation of the initial contribution.
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Friedline, Terri. "Digital Redlining." In Banking on a Revolution. Oxford University Press, 2020. http://dx.doi.org/10.1093/oso/9780190944131.003.0008.
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This chapter explores how the rise of digital technologies enables new manifestations of racialization in financial services, using Google Fiber’s promises of low-cost high-speed Internet services in Nashville and Kansas City as examples. Akin to redlining in the lending market, Black and Brown communities may experience digital forms of redlining due to limited access to technologies such as high-speed Internet and smartphones that exist alongside the rising number of bank branch closures. At the nexus of financial and digital divides, banks’ overreliance on fintech can reproduce and amplify marginalization. Not only can fintech concentrate wealth, the computer algorithms on which fintech is built can further stitch whiteness into the financial system.
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Smith, Gregory. "More Debt Benefits, Less Burden." In Where Credit is Due. Oxford University Press, 2021. http://dx.doi.org/10.1093/oso/9780197619971.003.0011.
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Increasing debt risks suggest African countries’ hard-won market access should not be taken for granted over the next decade. While debt crises, defaults, and severe restructurings would not leave African countries shut out of the markets forever, there could be a long wait with appetites for investment taking many years to return. There are six ways borrowing can be improved to better finance urgently needed investment with less risky lending while preserving market access. Step one: deliver on debt transparency. Step two: deepen domestic debt markets. Step three: generate more flexible financing. Step four: provide market access parachutes. Step five: ensure tighter use of proceeds. Step six: make a solid plan, and build a sustainable brand.
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Kowalewski, Oskar. "Do Foreign Bank Branches Affect Lending of Foreign- and State-owned Banks? Empirical Evidence from CESEE Countries." In Emerging Market Finance: New Challenges and Opportunities. Emerald Publishing Limited, 2020. http://dx.doi.org/10.1108/s1569-376720200000021002.
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Jain, Dhiraj, and Vijay Prakash Misra. "Payment Banks and Small Finance Banks." In Marketing Techniques for Financial Inclusion and Development. IGI Global, 2018. http://dx.doi.org/10.4018/978-1-5225-4035-9.ch002.
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Banking in India has taken various forms and has undergone severeral reforms as and when the markets needed. Because of the growing need, the banks today not only strive for greater profits but also have various social targets like the priority sector lending, setting up various branches in the rural areas, extending loans, encouraging innovation, and setting up new businesses and the like. One of the latest objectives of present day banks was financial inclusion as efforts taken before had not proved very fruitful. The RBI therefore has introduced the concept of differentiated banks where it intends to issue licenses for specialized banks like small and payment banks, infrastructure banks, and so on so that the banks could develop specialized skills and affect greater financial penetration so that the overall objective of financial inclusion could be met. The guidelines have been issued for the first kind of differentiated banks—small and payment banks—and applications have been invited for the same. Though the RBI has taken a very conservative approach for different kinds of banks to co-exist, it may prove to be a step in the right direction and help in greater financial inclusion.
Conference papers on the topic "Branch lending"
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Plotnikova, Elena. "Operation of the Irkutsk Branch of the Russian-Chinese Bank in 1898–1910." In Irkutsk Historical and Economic Yearbook 2020. Baikal State University, 2020. http://dx.doi.org/10.17150/978-5-7253-3017-5.12.
Full textAbstract:
The article describes the work of the Irkutsk branch of the Russian-Chinese Bank from the moment of its formation to the further reorganization (1898–1910). The financial performance indicators of credit institution in the period from 1901 till 1907, as reflected in the inspection in November, 1908, are given. Examines the reasons for loss of the branch related to the General decline of the business sector of the regional economy. The article notes the moment when the Bank branch management changed. The article describes the prospects for the development of the Department in connection with the course taken for lending to coal-producing enterprises of the Irkutsk province. Some quantitative calculations are given that demonstrate the possibility of growth of financial indicators of the institution. The article records the concern of competing credit institutions about the development of the local branch of the Russian-Chinese Bank. In conclusion, the circumstances that hindered the prospects for the development of the Department, in connection with the event held in 1910, are given. Russian-Chinese and Northern banks merge, resulting in the formation of a new credit institution-the Russian-Asian Bank.