Relevant bibliographies by topics / Credit and banking system

Contents

  1. Journal articles
  2. Dissertations / Theses
  3. Books
  4. Book chapters
  5. Conference papers
  6. Reports

Academic literature on the topic 'Credit and banking system'

Author: Grafiati
Published: 28 May 2022
Last updated: 30 July 2025

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Journal articles on the topic "Credit and banking system"

1

Baron, L., та T. Zakharova. "Disproportions between Вanking System and Non-financial Sector Development in the Russian Economy". Voprosy Ekonomiki, № 3 (20 березня 2003): 103–11. http://dx.doi.org/10.32609/0042-8736-2003-3-103-111.

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It's been shown that despite some improvements in the Russian banking sector, it's indicators have not achieved the pre-crisis level yet and can't be compared with similar indicators in other countries. Moreover, Russian banks' credit resources are insufficient if the growing tendency of exceeding outstanding credits' volume over corresponding banks' resources is taken into account. In the authors' opinion it can lead to incapability of the Russian banking system to satisfy the relevant credit demand of the non-financial corporate sector and cause a medium-term systemic banking crisis.
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Rakhman, M. S., and O. M. Haltseva. "Analyzing the Structural Changes in the Credit Performance Indicators of Banks of Ukraine." Business Inform 9, no. 512 (2020): 228–38. http://dx.doi.org/10.32983/2222-4459-2020-9-228-238.

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The revenue part of the banking institution is formed mainly due to the volume of credits provided and depends on the conditions of crediting the financial services market participants. Consequently, the insufficiency or inaccessibility of credit resources adversely affects the status of the entire economy. The article is aimed at an economic and statistical analysis of the current status of credit activity of the banking system of Ukraine in the dynamic conditions of development of the national economy, identifying tendencies, substantiating the prospects for expanding and reducing the risks
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Koju, Laxmi, Ram Koju, and Shouyang Wang. "Does Banking Management Affect Credit Risk? Evidence from the Indian Banking System." International Journal of Financial Studies 6, no. 3 (2018): 67. http://dx.doi.org/10.3390/ijfs6030067.

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This study investigated the impact of banking management on credit risk using a sample of Indian commercial banks. The study employed dynamic panel estimations to evaluate the link between banking management variables and credit risk. The empirical results show that an increase in loan portion over total assets does not necessarily increase problem loans. The findings suggest that high capital requirements and large bank size do not reduce default risk, whereas high profitability and strong income diversification policies lower the likelihood of default risk. The overall empirical results supp
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Dmytryshyn, Lesia, and Ivan Blahun. "A model for achieving the allocative efficiency of credit resources in Ukraine’s banking system." Banks and Bank Systems 11, no. 3 (2016): 8–16. http://dx.doi.org/10.21511/bbs.11(3).2016.01.

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The article presents a model for achieving the allocative efficiency of credit resources in Ukraine’s banking system. The research involves establishing a set of criteria for assessing a borrower’s creditworthiness and analyzing them by means of the discriminant analysis, Helwig’s methods, cluster analysis, the dendrite method, and principal component analysis; the methods are, then, contrasted. This is followed by designing an optimal credit portfolio of the banking system and comparing it with actual credit portfolios with the help of similarity metrics. Keywords: banking system, borrower’s
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Jun, Sookoung. "Necessity of Reconceptualizing Credit Banking System." Journal of Humanities and Social sciences 21 10, no. 4 (2019): 628–42. http://dx.doi.org/10.22143/hss21.10.4.45.

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Muhammad Nur Faaiz F. Achsani and Salina Kassim. "The Determinants of Credit Risk Under Dual Banking System: Indonesian Experience Based on Bank Specific Variables." AL-MUZARA'AH 9, no. 2 (2021): 215–29. http://dx.doi.org/10.29244/jam.9.2.215-229.

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In Indonesian banking system, conventional banks are operating side by side with Islamic banking in a dual banking system. In terms of the credit risk determinants, Islamic banks should be affected by the different factors as conventional banks. However, the similarity of Islamic banks and the conventional bank in terms of contracts might lead to the opinion the same variables are affecting the performance of Islamic and conventional banks. The objective of the study is to examine and obtain an understanding on how the credit and financing in Indonesian dual banking system responses to changes
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Le, Tu D. Q., Tin H. Ho, Dat T. Nguyen, and Thanh Ngo. "Fintech Credit and Bank Efficiency: International Evidence." International Journal of Financial Studies 9, no. 3 (2021): 44. http://dx.doi.org/10.3390/ijfs9030044.

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The expansion of fintech credit around the world is challenging the global banking system. This study investigates the interrelationships between the development of fintech credit and the efficiency of banking systems in 80 countries from 2013 to 2017. The findings indicate a two-way relationship between them. More specifically, a negative relationship between bank efficiency and fintech credit implies that fintech credit is more developed in countries with less efficient banking systems. Meanwhile, a positive impact of fintech credit on the efficiency of banking systems suggests that fintech
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Tyas Anggorowati, Cahyaning, and Willem A. Makaliwe. "Credit Risk Influence on Insurance Performance During Credit Restructuring Policy." International Journal of Research and Review 12, no. 1 (2025): 427–41. https://doi.org/10.52403/ijrr.20250151.

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This study analyzes the relationship between banking credit risk and general insurance performance during the banking credit restructuring policy period in Indonesia from March 2020 to March 2024. Credit, Nonperforming loans (NPL), and credit interest rates variables are used as proxies for banking risk. General insurance performance is proxied by credit premium, credit claim, and profit before tax. Through multiple regression analysis using Ordinary Least Squares (OLS), this study shows that there is a significant effect of banking risk on general insurance performance. The relationship betwe
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Ермаков, В., and V. Ermakov. "Banking Reform: New Development in Banking Legislation in 2017." Auditor 3, no. 11 (2017): 43–48. http://dx.doi.org/10.12737/article_5a17cb7277d1e7.16411632.

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Th is article is devoted to legislative changes in the activities of Russian credit institutions that come into eff ect in 2018. Th ese changes in legislation lead to the creation of a two-tier system of credit institutions with signifi cant diff erences in the possibilities for conducting banking operations and other transactions.
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Shingjergji, Ali, and Marsida Hyseni. "The Impact of Macroeconomic and Banking Factors on Credit Growth in the Albanian Banking System." European Journal of Economics and Business Studies 2, no. 1 (2015): 113. http://dx.doi.org/10.26417/ejes.v2i1.p113-120.

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The aim of this paper is to analyze the influence of some macroeconomic and bankhttp://ejes.euser.org/issues/may-august-2015/Ali.pdfing factors on credit growth in the Albanian banking system. From the literature review is noticed that the credit growth in the banking system is influenced by both macroeconomic and banking factors. We use credit growth as a dependent variable while as independent variables we use: GDP growth, inflation rate, unemployment rate, loan interest rate, capital adequacy ratio, bank size and NPL ratio. The relationship between credit growth and macroeconomic and bankin
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Dissertations / Theses on the topic "Credit and banking system"

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Gomez, Bruno(Bruno Enrique Gomez Lezcano). "Consumer credit risk measurement : challenges for the Paraguayan banking system." Thesis, Massachusetts Institute of Technology, 2019. https://hdl.handle.net/1721.1/124582.

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Thesis: S.M. in Management Studies, Massachusetts Institute of Technology, Sloan School of Management, 2019<br>Cataloged from PDF version of thesis.<br>Includes bibliographical references (page 40).<br>Credit risk is often a critical risk in the financial sector. Therefore, how a financial institution manages its credit risk is an important determinant of profitability and solvency. In this regard, the identification and measurement of credit risk is the first component of efficient risk management. Correct and timely credit ratings are important for risk management systems, and for informing
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Lapavitsas, Constantinos. "Value, money and the credit system : a structural analysis of the forms of money and their relation to production and exchange." Thesis, Birkbeck (University of London), 1986. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.284139.

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Stokes, Sofia Amaro Stattmiller de Saldanha e. Albuquerque. "Testing for volatility persistence change: the effect of the credit crisis on the Portuguese banks." Master's thesis, NSBE - UNL, 2013. http://hdl.handle.net/10362/9850.

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A Work Project, presented as part of the requirements for the Award of a Masters Degree in Finance from the NOVA – School of Business and Economics<br>In this work project I propose to study the effect of the 2008 credit crisis on the Portuguese banking system. I will analyze the volatility of stock-returns of seven representative banks in two distinct periods, before (2001-2007) and during (2008-2012) the credit crisis. The purpose is the analysis of possible persistence changes in the structure of conditional volatility after the shock caused by the spread of the crisis. I will test for nons
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Гриньова, В. М., та О. М. Колодізєв. "Банківська система України на шляху інтеграції у європейський простір. Кредитне бюро як нова інституція: проблеми та перспективи". Thesis, Українська академія банківської справи Національного банку України, 2005. http://essuir.sumdu.edu.ua/handle/123456789/61833.

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Ковалів, В. М. "Стан і збільшення довіри до депозитної системи". Thesis, Українська академія банківської справи Національного банку України, 2011. http://essuir.sumdu.edu.ua/handle/123456789/63184.

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Довіру громадян до банківської системи важко купити, вона приходить із стабільністю. Аналізуючи період 2000–2006 рр., коли вартість депозитів була високою, їх кількість зростала нижчими темпами, ніж у 2007–2008 рр., коли вони ставали дешевшими. У 2010–2011 рр. спостерігається повний занепад кредитної системи. Ті кредити, що видаються, є занадто дорогими. Попри афішування банків про відновлення кредитування, зокрема споживчого, буму не відбудеться, адже відсутня логіка наповнення пасивних рахунків і від того джерела кредитних коштів.
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Д`яконова, Ірина Іванівна, Ирина Ивановна Дьяконова та Iryna Ivanivna Diakonova. "Поняття банківської системи та особливості банківської системи України". Thesis, Наука і студія, 2007. http://essuir.sumdu.edu.ua/handle/123456789/62111.

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В тезах визначається місце та роль банківської системи в економічній системі, звертається увага на особливості формування та розвитку банківської системи України.<br>In the article the essence and the role of the banking system in economy system is determined. The specific features of foundation and development of the banking system are observed.
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Журавок, А. А. "Кредитна система України та шляхи її вдосконалення". Thesis, Сумський державний університет, 2017. http://essuir.sumdu.edu.ua/handle/123456789/64438.

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Кредитна система ─ це сукупність кредитних взаємин, форм і методів кредитування. Контрольна, стимулююча, перерозподільна та функція заміщення, це основні її функції. Ця система має склад, який зафіксовано у державному законодавстві, з банківської та «небанківської» систем. У розвитку та поліпшені ринкової економіки ці системи грають питому роль, при цьому, забезпечуючи великий обсяг розрахунків і платежів підприємств, організацій і жителів, що пов’язані з грошима; тимчасово вільні кошти вони мобілізують і обертають у активно діючий капітал; втілюють різні кредитні, розрахункові, гарант
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Babar, Haseeb Zaman, and Gul Zeb. "Camels rating system for banking industry in pakistan : does CAMELS system provide similar rating as PACRA system in assessing the performance of banks in Pakistan?" Thesis, Umeå universitet, Handelshögskolan vid Umeå universitet, 2011. http://urn.kb.se/resolve?urn=urn:nbn:se:umu:diva-48325.

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Financial sector of an economy plays an important role in its economic development and prosperity of the country. Banking industry serves as the backbone of the financial sector that accumulates saving from surplus economic units in the form of deposits and provides it to deficit economic units in the form of advances. Banking industry provides support to economy and industries in specific in the time of recessions and economic crisis. But when banks are at the heart of economic recession or banks are the cause of financial crisis like the recent past financial crisis 2007-09, it makes the sit
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Козлова, Юлія Вікторівна, Юлия Викторовна Козлова та Yuliia Viktorivna Kozlova. "Кооперативні банки в банківській системі України". Thesis, Українська академія банківської справи Національного банку України, 2012. http://essuir.sumdu.edu.ua/handle/123456789/63767.

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Робота присвячена проблемі відсутності кооперативних банків в банківській системі України та визначенню необхідних умов розвитку банків даної організаційно-правової форми.<br>The work is devoted to the problem of the lack of co-operative banks in the Ukrainian banking system and the necessary conditions for the development of such banking structures.
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Зайцев, Олександр Васильович, Александр Васильевич Зайцев, Oleksandr Vasylovych Zaitsev та А. А. Журавок. "Кредитна система України та шляхи її вдосконалення". Thesis, Сумський державний університет, 2017. http://essuir.sumdu.edu.ua/handle/123456789/67124.

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В Україні в новітніх умовах наболілим є справа реформування системи кредитування. Для української економіки основними напрямами кредитних відноcин вбачають у підтримці інвестиційної та інноваційної практики, фінансовому забезпеченню структурних трансформацій та економічному зростові.<br>В Украине в новейших условиях наболевшим является реформирование системы кредитования. Для украинской экономики основными направлениями кредитных отношений видят в поддержке инвестиционной и инновационной практики, финансовому обеспечению структурных преобразований и экономическому росту.<br>In Ukraine, under t
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Books on the topic "Credit and banking system"

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Lai, Alexandra. Credit in a tiered payments system. Bank of Canada, 2006.

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Pena, Joe G. The crisis in the farm banking system, 1987. Dept. of Agricultural Economics, Texas A&M University, 1987.

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Syed Hamed Abdul Rehman Alkaff. Organisation of the credit operations under the Islamic banking system. Islamic Research Academy Karachi, 1985.

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Adeoye, 'Tunde. Determinants of credit flow from the Nigerian banking system an empirical analysis. Nigerian Institute of Social and Economic Research, 2003.

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United, States Congress Senate Committee on Banking Housing and Urban Affairs. Farm Credit Administration Act amendments of 1985: Hearings before the Committee on Banking, Housing, and Urban Affairs, United States Senate, Ninety-ninth Congress, second session, on the bank regulators and agencies analyses of the effect the farm crisis has had on financial institutions primarily engaged in agricultural lending and to determine what action is necessary to aid those financial institutions during this transition period, March 6 and 11, 1986. U.S. G.P.O., 1986.

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Arumugam, P. Lead bank system and service area approach in India. UDH Pub. House, 1990.

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Homenko, Elena. Banking law. INFRA-M Academic Publishing LLC., 2021. http://dx.doi.org/10.12737/1405583.

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The textbook contains a systematic presentation of the main institutions of banking law in accordance with the academic discipline "Banking Law", taught at the Department of Banking Law of the Moscow State Law University named after O. E. Kutafin (MSLA). It examines the banking system of the Russian Federation and its structure; the features of credit institutions as subjects of banking law; the legal basis of the national payment system, its relationship with the banking system of Russia; the legal regulation of the deposit insurance system; legislation on bank accounts; the main types of ban
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United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on General Oversight and Investigations. Current issues relative to farm credit: Hearing before the Subcommittee on General Oversight and Investigations of the Committee on Banking, Finance, and Urban Affairs, House of Representatives, Ninety-ninth Congress, first session, December 20, 1985. U.S. G.P.O., 1986.

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United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Economic Stabilization. The problems of farm credit: Hearings before the Subcommittee on Economic Stabilization of the Committee on Banking, Finance, and Urban Affairs, House of Representatives, Ninety-ninth Congress, first session, October 23; November 13, 14, 19, and 21, 1985. U.S. G.P.O., 1986.

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D'i︠a︡konova, I. I. Rozvytok kredytnoï dii︠a︡lʹnosti--shli︠a︡kh do stabilʹnosti bankivsʹkoï systemy: Monohrafii︠a︡. Universytetsʹka knyha, 2007.

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Book chapters on the topic "Credit and banking system"

1

Lessambo, Felix I. "Credit Union." In The U.S. Banking System. Springer International Publishing, 2019. http://dx.doi.org/10.1007/978-3-030-34792-5_9.

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Lessambo, Felix. "Corporate Governance, Risk Metrics, Liquidity, and Credit Risks." In The International Banking System. Palgrave Macmillan UK, 2013. http://dx.doi.org/10.1007/978-1-137-27513-4_20.

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Goodfriend, Marvin S. "Money, Credit, Banking, and Payment System Policy." In The U.S. Payment System: Efficiency, Risk and the Role of the Federal Reserve. Springer Netherlands, 1990. http://dx.doi.org/10.1007/978-94-009-2510-6_16.

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Shahchera, Mahshid, Fatemeh Noorbakhsh, and Homa Monfared. "Credit Crunch Testing in Iranian Banking System." In Advances in Time Series Data Methods in Applied Economic Research. Springer International Publishing, 2018. http://dx.doi.org/10.1007/978-3-030-02194-8_7.

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Poudel, Samir, Movinuddin, Sanjana Gutta, et al. "Credit Card Batch Processing in Banking System." In Proceedings of the Second International Conference on Advances in Computing Research (ACR’24). Springer Nature Switzerland, 2024. http://dx.doi.org/10.1007/978-3-031-56950-0_8.

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Johnsen, Gudrun. "A Debt-Free State; Isolated and without Credit." In Bringing Down the Banking System. Palgrave Macmillan US, 2014. http://dx.doi.org/10.1057/9781137347350_15.

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Hotori, Eiji, Mikael Wendschlag, and Thibaud Giddey. "France: Credit Control and Formalization of Banking Supervision." In Formalization of Banking Supervision. Springer Singapore, 2021. http://dx.doi.org/10.1007/978-981-16-6783-1_8.

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AbstractThe banking supervision in France was formalized with the Banking Acts of 1941 and of 1945. In 1941, the Banking Control Commission as the supervisory agency was created, and rigid financial regulation such as a minimum capital requirement and a separation of banking types was introduced. In connection to the 1941 Act, the four largest commercial banks in France were also nationalized. However, with the German occupation and the wartime situation, the formalization of banking supervision was only completed with the Banking Act of 1945. The essential contents of the 1941 Act were upheld
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Strong, B. "Control of Credit Through the Reserve System." In The History of Banking II, 1844-1959 Vol 9. Routledge, 2024. https://doi.org/10.4324/9781003547839-15.

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Strong, B. "Control of Credit Through the Reserve System." In The History of Banking II, 1844-1959 Vol 9. Routledge, 2024. https://doi.org/10.4324/9781003547839-14.

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Cosma, S., F. Pancotto, and P. Vezzani. "Complaining in Consumer Credit: Evidence from the Italian Financial System." In Palgrave Macmillan Studies in Banking and Financial Institutions. Springer International Publishing, 2018. http://dx.doi.org/10.1007/978-3-319-90294-4_6.

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Conference papers on the topic "Credit and banking system"

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Sharma, Pradeep, and J. Logeshwaran. "AI-driven Credit Scoring System for Real-Time Credit Card Approval in Banking." In 2024 2nd International Conference on Advances in Computation, Communication and Information Technology (ICAICCIT). IEEE, 2024. https://doi.org/10.1109/icaiccit64383.2024.10912352.

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T, Saravana Kumar, and A. B. Ahadit. "Machine Learning Applications in Banking for Credit Rating and Risk Evaluation." In 2024 Third International Conference on Artificial Intelligence, Computational Electronics and Communication System (AICECS). IEEE, 2024. https://doi.org/10.1109/aicecs63354.2024.10957136.

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Goudar, Santosh Iranagouda, and Biswajit Bhowmik. "Intelligent Fraud Detection Techniques in Credit Card and Internet Banking." In 2024 International Conference on Communication, Control, and Intelligent Systems (CCIS). IEEE, 2024. https://doi.org/10.1109/ccis63231.2024.10932113.

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Ibraqui, Rachid El, Moulay Othman Aboutafail, and Redouane Nouira. "Modeling and mathematical analysis of liquidity-credit risk contagion in the banking system." In 2024 7th International Conference on Advanced Communication Technologies and Networking (CommNet). IEEE, 2024. https://doi.org/10.1109/commnet63022.2024.10793253.

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Narejo, Attaullhah, Jing Ping Li, Ali Nawaz Sanjrani, A. Amanullah Sanjrani, and Ali Iqtidar. "Dynamic Temporal LSTM- Seqtrans for Long Sequence: An Approach for Credit Card and Banking Accounts Fraud Detection in Banking System." In 2024 21st International Computer Conference on Wavelet Active Media Technology and Information Processing (ICCWAMTIP). IEEE, 2024. https://doi.org/10.1109/iccwamtip64812.2024.10873619.

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Ango, Rithika, Raj Kumar Masih, C. Kishor Kumar Reddy, Mohammed Shuaib, Monika Singh T, and Shadab Alam. "Fraud Detection in Banking using the Kaggle Credit Card Dataset and XGBoost Model." In 2024 International Conference on IoT Based Control Networks and Intelligent Systems (ICICNIS). IEEE, 2024. https://doi.org/10.1109/icicnis64247.2024.10823227.

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P A, Shany, S. Mohanraj, S. Sivaraman, S. Kavitha, J. Priya, and B. Navaneetha. "Self-Sovereign Identity Management for Credit Card Fraud Detection using Artificial Intelligence in Banking Sector." In 2025 7th International Conference on Intelligent Sustainable Systems (ICISS). IEEE, 2025. https://doi.org/10.1109/iciss63372.2025.11076310.

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Thakkar, Krunal Bharatbhai, and Hemish Prakashchandra Kapadia. "The Roadmap to Digital Transformation in Banking: Advancing Credit Card Fraud Detection with Hybrid Deep Learning Model." In 2025 2nd International Conference on Trends in Engineering Systems and Technologies (ICTEST). IEEE, 2025. https://doi.org/10.1109/ictest64710.2025.11042822.

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Kraenau, Nicole, Mariano Silva, and Pedro Castañeda. "Hybrid Model Based on Machine Learning for the Prediction of Consumer Credit Delinquency in the Banking Sector of Peru." In 2024 International Symposium on Intelligent Robotics and Systems (ISoIRS). IEEE, 2024. http://dx.doi.org/10.1109/isoirs63136.2024.00066.

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Beeram, Divya, and K. Suganyadevi. "Evaluating Credit Risk in Banking using AI-based Algorithm Optimization." In 2024 15th International Conference on Computing Communication and Networking Technologies (ICCCNT). IEEE, 2024. http://dx.doi.org/10.1109/icccnt61001.2024.10723944.

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Reports on the topic "Credit and banking system"

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Bair, Sheila C. Improving Access to the U.S. Banking System Among Recent Latin American Immigrants. Inter-American Development Bank, 2003. http://dx.doi.org/10.18235/0006548.

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US banks and credit unions are determined to have Latin American immigrants as important and permanent members of their customer base. Community groups, government, and US business interests are aligning through the remittance market to the benefit of Latin American immigrants and their families.
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Boel, Paola, and Christopher J. Waller. On the essentiality of credit and banking at zero interest rates. Federal Reserve Bank of Cleveland, 2023. http://dx.doi.org/10.26509/frbc-wp-202313.

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We investigate the welfare-increasing role of credit and banking at zero interest rates in a microfounded general equilibrium monetary model. Agents differ in their opportunity costs of holding money due to heterogeneous idiosyncratic time-preference shocks. Without banks, the constrained-efficient allocation is never attainable, since impatient agents always face a positive implicit rate in equilibrium. With banks, patient agents pin down the borrowing rate and in turn enable impatient agents to borrow at no cost when the inflation rate approaches the highest discount factor. Banks can theref
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Bair, Sheila C. Improving Access to the U.S. Banking System Among Recent Latin American Immigrants. Inter-American Development Bank, 2010. http://dx.doi.org/10.18235/0009177.

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Research project on ways to improve Latin American immigrants¿ access to the U.S. banking system focused on access issues related to recent Latin American immigrants and particular attention to best practices in account opening procedures and providing remittance Products. Research also includes an Anti-Money Laundering and Terrorist Financing section on their integral relationship to banks and credit unions¿ ability to successfully serve the Latin American immigrant market.
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Soriano, Alejandro. Oversight Note on Credit Risk Management. Inter-American Development Bank, 2011. http://dx.doi.org/10.18235/0010447.

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This evaluation examines IDB's management of credit risk of Non-Sovereign Guaranteed Operations. Although the IDB is not subject to the Principles for the Management of Credit Risk issued by the Basel Committee for Banking Supervision, these principles have been used as guidelines for this assessment. It can be concluded that the IDB largely complies with Basel's credit risk management principles. To further develop what is already a solid foundation for its credit risk management system, it is recommended that the IDB adopts a comprehensive Credit Risk Framework that clearly defines its risk
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Yaroshchuk, Svitlana O., Nonna N. Shapovalova, Andrii M. Striuk, Olena H. Rybalchenko, Iryna O. Dotsenko, and Svitlana V. Bilashenko. Credit scoring model for microfinance organizations. [б. в.], 2020. http://dx.doi.org/10.31812/123456789/3683.

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The purpose of the work is the development and application of models for scoring assessment of microfinance institution borrowers. This model allows to increase the efficiency of work in the field of credit. The object of research is lending. The subject of the study is a direct scoring model for improving the quality of lending using machine learning methods. The objective of the study: to determine the criteria for choosing a solvent borrower, to develop a model for an early assessment, to create software based on neural networks to determine the probability of a loan default risk. Used rese
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Corrigan, E. Gerald. Building Effective Banking Systems in Latin America and the Caribbean. Inter-American Development Bank, 1997. http://dx.doi.org/10.18235/0008919.

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This study discusses staple reforms in banking systems in Latin America and the Caribbean to improve their effectiveness. The paper identifies the main problems countries have been experiencing with banking systems, triggered by large credit losses. The direct and indirect costs of banking sector crises have been astonishingly high. The author holds that while the symptoms and costs of banking sector problems are widely recognized, the magnitude of the remedial task is often significantly underestimated. The author then makes a series of observations to keep in mind: First, the acute and costl
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Ana Kristel, Lapid, Rogelio Mercado Jr, and Peter Rosenkranz. Concentration in Asia’s Cross-Border Banking: Determinants and Impacts. Asian Development Bank, 2021. http://dx.doi.org/10.22617/wps210170-2.

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Regional banking systems in Asia and the Pacific are not only increasingly integrated but also tend to be concentrated to a few counterparties only, exposing the region to financial risk and policy spillovers. This study assesses the determinants and impacts of the region’s cross-border banking concentration. It constructs and analyzes cross-border bank concentration measures for 47 economies in Asia and the Pacific from 2000 to 2019. Results suggest that higher capital account, trade openness, and per capita income are significantly associated with lower cross-border bank concentration. Moreo
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Finkelstein-Shapiro, Alan, Federico S. Mandelman, and Victoria Nuguer. Fintech Entry, Firm Financial Inclusion, and Macroeconomic Dynamics in Emerging Economies. Inter-American Development Bank, 2022. http://dx.doi.org/10.18235/0003918.

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Financial inclusion is strikingly low in emerging economies. In only a few years, financial technologies (fintech) have led to a dramatic expansion in the number of non-traditional credit intermediaries, but the macroeconomic and credit-market implications of this rapid growth of fintech are not known. We build a model with a traditional banking system and endogenous fintech intermediary creation and find that greater fintech entry delivers positive long-term effects on aggregate output and consumption. However, greater entry bolsters aggregate firm financial inclusion only if it stems from lo
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Al-Suwailem, Sami. A Paradigm Change for the Global Financial System. Islamic Development Bank Institute, 2023. http://dx.doi.org/10.55780/re24032.

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The title of this article is the title of a speech delivered in the wake of the Global Financial Crisis of 2008 by former European Central Bank President Jean-Claude Trichet. Although his call was made 14 years ago, it seems as relevant today as it was then. To see why, we need to look at the nature of markets and banking. From a realistic point of view, markets are about matching, while banking is about mismatching. The inherent incompatibility between the two explains, to a large extent, why market economies are repeatedly plagued with financial crises and credit crunches. Markets are places
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Cunha e Melo, Mariana, and Jonas de Abreu Castro. Regulation and competition: The case of the Brazilian fintech ecosystem. Center for Technology and Public Interest, SL, 2023. http://dx.doi.org/10.59262/fgyy58.

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Events such as the failure and rescue of Credit Suisse and the fallout of Silicon Valley Bank re-surfaces the old saying that prudential regulators should always favor banking concentration to improve financial stability, putting monetary authorities in opposition to competition authorities. In this paper, we want to switch gears and propose a framework to analyze monetary authorities' role in fostering competition. Then, we go through the case study of Brazil's financial system regulators and compare them with Brazil's competition authority's role and the importance of inter-agency cooperatio
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