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Journal articles on the topic 'Credit and banking system'

Author: Grafiati

Published: 28 May 2022

Last updated: 30 July 2025

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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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5

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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6

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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8

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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10

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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11

Canh, Nguyen Phuc, Christophe Schinckus, Thanh Dinh Su, and Felicia Hui Ling Chong. "Institutional quality and risk in the banking system." Journal of Economics, Finance and Administrative Science 26, no. 51 (2021): 22–40. http://dx.doi.org/10.1108/jefas-01-2020-0012.

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Purpose This paper aims to offer an empirical study of the impact of institutional quality on the banking system risk and credit risk. Design/methodology/approach Applying cross-sectional dependent tests and stationary tests to check the property of our sample, the panel corrected standard errors model is recruited as the main estimator, while feasible generalized least squares, pool ordinary least squares (OLS), robust pool OLS and other estimators are used as a robustness check for an unbalanced panel data for 56 economies divided into three subsamples between 2002 and 2015. Findings The emp

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Bilginci, Mehmet Resul, Gamze Ogcu Kaya, and Ali Turkyilmaz. "Decision Support System for Credit Risk Management." International Journal of Information Systems in the Service Sector 11, no. 2 (2019): 18–31. http://dx.doi.org/10.4018/ijisss.2019040102.

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Risk is an integrated part of the banking functions, which cannot be eliminated completely but it can be reduced by employing appropriate techniques. Credit processing is one of the core functions in the banking system, and its performance is closely related to management of the risks. The aim of this article is to develop a credit scorecard model which can be used as decision support system. A logistic regression with stepwise selection method is used to estimate the model parameters. The data that is used to construct the credit scorecard model is obtained from one of the pioneering banks in

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13

Dragosavac, Miloš. "Credit risk management system in commercial banking." Ekonomski pogledi, no. 4 (2013): 41–58. http://dx.doi.org/10.5937/ekopog1304041d.

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Bustaman, Yosman, Soebowo Musa, and Mira Maulida. "Quantitative Easing, liquidity and Banking Growth; Evidence from Indonesian Banking System." 13th GLOBAL CONFERENCE ON BUSINESS AND SOCIAL SCIENCES 13, no. 1 (2022): 1. http://dx.doi.org/10.35609/gcbssproceeding.2022.1(77).

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Quantitative easing (QE) is an unconventional monetary policy issued by the central bank to provide economic stimulus in expecting growth of aggregate demand as well as amplifying inflation. This policy typically involves purchasing large-scale financial assets from the open market and it is expected to reduce interest rates and the term structure of the yield which is supposed to have an impact on increasing the distribution of credit to the business (Bowman, Cai, Davies, & Kamin, (2015), Christensen and Krogstrup, (2019). Central banks in developed countries have already utilized the QE

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15

Lukovnikova, N. S. "Specifics of using credit banking instruments in conditions of the Russian banking system development." Financial Analytics: Science and Experience 13, no. 4 (2020): 383–97. http://dx.doi.org/10.24891/fa.13.4.383.

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Subject. Uncertainty and risks of the banking system development have increased against the background of identified inefficient credit and payment instruments. The conceptual framework for the said system development includes not only the State support to backbone banks, but also establishing the cause-effect relationship between the offered banking product and the service, and the conditions and legal grounds stipulated for banks, having basic and universal licenses. Objectives. The purpose is to identify the specifics of banking operations related to credit products, considering the changes

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Muhammadyusuf, Shukhratpur. "Identifying conceptual gaps in the concept of natural personhood in the banking and credit system of Tajikistan." E3S Web of Conferences 376 (2023): 05021. http://dx.doi.org/10.1051/e3sconf/202337605021.

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The question around the subject of bank credit has always been in the view of legal jurisprudence and doctrine. One of these issues is that the legal personality of a natural person in banking-credit relations is devoid of comprehensive scientific and legal study. This emphasizes the necessity of further research into the issue. This article is devoted to the participation of natural persons in the banking-credit obligations of the Republic of Tajikistan. It also provides an overview of the reality of the existence of natural persons as a subject of civil law obligations. It also investigates

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17

Perrotta, Adamaria, Andrea Monaco, and Georgios Bliatsios. "Data Analytics for Credit Risk Models in Retail Banking: a new era for the banking system." Risk Management Magazine 18, no. 3 (2023): 36–53. http://dx.doi.org/10.47473/2020rmm0132.

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Given the nature of the lending industry and its importance for global economic stability, financial institutions have always been keen on estimating the risk profile of their clients. For this reason, in the last few years several sophisticated techniques for modelling credit risk have been developed and implemented. After the financial crisis of 2007-2008, credit risk management has been further expanded and has acquired significant regulatory importance. Specifically, Basel II and III Accords have strengthened the conditions that banks must fulfil to develop their own internal models for es

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18

Vishal, Vadgama. "A Novel Approach for E-Payment Using Virtual Password System." International Journal on Cryptography and Information Security(IJCIS) 1, no. 1 (2020): 1–11. https://doi.org/10.5281/zenodo.3901134.

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In today's world of E-Commerce everything comes online like Music,E-Books, Shopping all most everything is online. If you are using some service or buying things online then you have to pay for that. For that you have to do Net Banking or you have to use Credit card which will do online payment for you. In today's environment when everything is online, the service you are using for E-Payment must be secure and you must protect your banking information like debit card or credit card information from possible threat of hacking. There were lots way to threat like Key logger, Forgery Detec

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19

Dr., Madhura D. "Measures of Credit Control System in India." International Journal of Advance and Applied Research 4, no. 23 (2023): 101–6. https://doi.org/10.5281/zenodo.8159148.

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The liquidity control is an important tool used by the Reserve Bank of India, which is a major monetary policy tool used to control the demand and supply of cash (liquidity) in the economy. The credit offered by commercial banks is controlled by the Central Bank. The strategy RBI is using to bring about "economic growth with stability" means that banks can not only monitor inflationary economic patterns, but also stimulate economic growth, thereby increasing the stability of real national income. Given its functions like issuance of notes and maintenance of cash reserves, unregulated

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20

PYKA, Irena, and Jan PYKA. "Corporate green investment imperative and risk of a credit crunch in Poland." Scientific Papers of Silesian University of Technology. Organization and Management Series 2021, no. 154 (2021): 233–48. http://dx.doi.org/10.29119/1641-3466.2021.154.17.

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Purpose: The main subject of the article is a phenomenon that is increasingly common in countries of the global economy referred to as the so-called credit crunch. The study analyses the reasons that favour the escalation of risk of a credit crunch in the banking systems. The main objective of the article is to expose them as widely as possible, combining it with verification of the determinants of a credit crunch. Design approach: The empirical research conducted in this study focuses on the Polish banking system. For the first time the credit crunch was observed there in the second half of 2

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21

Ilmih, Andi Aina, A. Zulkarnain, and Kami Hartono. "THE LEGAL ANALYSIS AND THE IMPACT OF NOT DELETING OLD DATA IN INFORMATION SYSTEMS OF CREDIT PROGRAM ON KUR FINANCING FOR MICRO, SMALL AND MEDIUM ENTERPRISES." Jurnal Pembaharuan Hukum 9, no. 2 (2022): 318. http://dx.doi.org/10.26532/jph.v9i2.24411.

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This study focuses on the importance of deleting data from the Program Credit Information System for People's Business Credit for MSME customers who have paid off their financing and re-apply for People's Business Credit facilities financing facility assistance from the government, by analyzing legal policies that regulate People's Business Credit facilities financing through Program Credit Information System in Indonesia and knowing the impact of not deleting Program Credit Information System data on People's Business Credit financing for MSME customers in Semarang Syari’ah Banking. This rese

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22

Mosiashvili, Valeri, and Khatuna Gabitsinashvili. "DIGITALIZATION – DIGITAL TRANSFORMATION OF BUSINESS PROCESS IN CREDIT SYSTEM." International Journal of Social Science and Economic Research 07, no. 12 (2022): 3978–89. http://dx.doi.org/10.46609/ijsser.2022.v07i12.009.

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The article discusses the key aspects of banking-credit sector development in digitalization conditions, which is expresses in the trends of digital development in banks, the changes of business process, banking products and services, their ecosystem services and development models under the influence of digitalization. The local and foreign assessment and analysis of the best practices in the use of modern digital technologies in the planning, monitoring and evaluation of governance decisions gave us the opportunity to formulate proposals and recommendations in relation to the priority direct

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Крюков, Павел, Pavel Kryukov, Валентина Крюкова, and Valentina Kryukova. "The Evolution of the System of Management of Business Processes in Credit Institutions." Bulletin of Kemerovo State University. Series: Political, Sociological and Economic sciences 2019, no. 1 (2019): 106–12. http://dx.doi.org/10.21603/2500-3372-2019-4-1-106-112.

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The paper features the main trends in the technological development of the banking industry in the Russian Federation. The tendencies determine the prospects of structural changes in the banking sector at the basic level in the near future. The article describes the probable consequences of intensive introduction of technological innovations in traditional banking from the point of view of changes in infrastructure on a national scale. It includes a review of new financial technologies in the banking industry, reflecting the evolution of the business process management system in credit institu

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Pokhylko, S., and V. Novikov. "ANALYSIS OF EXISTING APPROACHES ABOUT MANAGEMENT AND MINIMIZATION OF CREDIT RISK." Vìsnik Sumsʹkogo deržavnogo unìversitetu, no. 1 (2019): 53–63. http://dx.doi.org/10.21272/1817-9215.2019.1-7.

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The efficiency of banking performance, related to ensuring reliable protection for banks from credit risk by borrowers, requires resolving multiple issues related to the analysis of their creditworthiness and reliability, as well as development of methods and models to predict the consequences of non-repayment or overdue loans from the borrowers‘ side for the further effective functioning of a bank. Taking into account a considerable amount of scientific works devoted to the research of influence of credit risk on banking there is still a necessity in improvement of existing methods of credit

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Goga Gelitashvili, Goga Gelitashvili, Ana Bokuchava Ana Bokuchava, Gocha Abutidze Gocha Abutidze, and Medea Chelidze Medea Chelidze. "STABILITY OF THE BANKING SYSTEM AS AN IMPORTANT FACTOR OF ECONOMIC SECURITY." Economics 105, no. 4-5 (2022): 110–20. http://dx.doi.org/10.36962/ecs105/4-5/2022-110.

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The purpose of the modern banking system of any country is to ensure the economic security of the country, the formation of a banking system that will be resilient to crisis. This is due to the fact that the modern development of the banking system is accompanied by an increase in external and internal threats and risks to which the activities of credit institutions are exposed. When studying the issues of financial stability of the banking system of Georgia, it should be noted that the National Bank of Georgia is a guarantor and a special entity for ensuring the stability of the banking secto

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Bulatova, Elvira Ildarovna, and Ekaterina Vladimirovna Ipatova. "Financial Features of Systemically Important Banks Operation in Modern Conditions." International Journal of Financial Research 12, no. 1 (2020): 23. http://dx.doi.org/10.5430/ijfr.v12n1p23.

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The modern banking system is one of the key elements of any national economic system that influences the formation of economic processes. In this regard, it is important to identify the main elements of the banking system that have the greatest impact on the modern economy. The article reveals the financial and distinctive features of modern systemically important credit organizations of the Russian Federation. The authors of the article, based on the structural and dynamic analysis of the credit organizations indicators system, identified the main trends in the banking system development, hig

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Hjouji, Zaynab, Imane Hasinat, and Amal Hjouji. "A New Method in Machine Learning Adapted for Credit Risk Prediction of Bank Loans." Statistics, Optimization & Information Computing 13, no. 3 (2024): 1209–32. https://doi.org/10.19139/soic-2310-5070-1476.

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The recent global financial crisis has significantly impacted the financial system, leading to major bank failures and prompting a reevaluation of credit risk management models. Given its critical role in maintaining banking stability, effective credit risk forecasting methods are essential. In light of this, various studies have introduced techniques to analyze, detect, and prevent bank credit defaults. In this paper, we present a new approach for predicting credit risk, known as the “Method of Separating the Learning Set into Two Balls.” This method involves partitioning a learning set into

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Шаталова, Е. П., and В. В. Убушуев. "The impact of credit risks on the banking system." Экономика и предпринимательство, no. 3(116) (May 15, 2020): 1011–14. http://dx.doi.org/10.34925/eip.2020.116.3.214.

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В статье рассматривает воздействие кредитных рисков на банковскую систему. Банковская система переживает множество рисков. Грамотная политика по оценке последствий и предотвращение рисков, контроль ограниченных финансов - главные аспекты рационального планировании бизнес-процессов банковской системы. The article considers the impact of credit risks on the banking system. The banking system is experiencing many risks. A competent policy for assessing consequences and preventing risks, controlling limited finances are the main aspects of rational planning of business processes in the banking sys

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Li, Tong. "Shadow banking in China: expanding scale, evolving structure." Journal of Financial Economic Policy 6, no. 3 (2014): 198–211. http://dx.doi.org/10.1108/jfep-11-2013-0061.

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Purpose – This paper aims to survey available data sources and put China’s shadow banking system in perspective. Although bank loans still account for the majority of credit provided to China’s real economy, other channels of credit extension are growing rapidly. The fast expansion of shadow banking has spurred wide concerns regarding credit quality and financial stability. Design/methodology/approach – This paper explores various data sources, provides an overview of shadow banking activities in China, discusses their close ties with banks and summarizes regulatory issues. Extensive descripti

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Khmelyarchuk, Mariya. "Inclusiveness of the financial system of Ukraine in the context of national security and sustainable development." Bank i Kredyt Vol. 56, no. 01 (2025): 81–112. https://doi.org/10.5604/01.3001.0054.9613.

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This research aims to investigate the level of inclusiveness of the financial system of Ukraine in the context of determining its compliance with the strategic goals of the development of the Ukrainian national economy – national security and sustainable development. In connection with the bank-based financial system formed in Ukraine, we focused on the analysis of bank lending to the Ukrainian economy, especially in the context of the availability of credit services for business entities and households and on effective use of the potential of the Ukrainian banking system in stimulating econom

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Miftah Idris. "PERJANJIAN KREDIT KONVENSIONAL DAN AKAD PEMBIAYAAN SYARIAH DALAM SISTEM PERBANKAN." Madani Legal Review 1, no. 1 (2017): 29–51. http://dx.doi.org/10.31850/malrev.v1i1.27.

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In distribution of fund, the system adopted by conventional banking and Islamic banking is almost the same in distributing the fund with the provision of credit and of financing by banks to their customers. There is specifically legal basis of contract (aqad) that distinguishes where conventional banking is based on the contract law in Burgerlijk Wetboek and Islamic banking is based on aqad law stipulated in Islamic Sharia (Islamic Law). Problems studied in this research is how the credit contract in the conventional banking and how aqad financing in islamic banking are actually. To know the p

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Sus, L. V., and Y. Y. Sus. "The NBU Economic Standards as an Instrument for Regulating the Banking Activities." Business Inform 3, no. 518 (2021): 119–26. http://dx.doi.org/10.32983/2222-4459-2021-3-119-126.

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Researching the problems of banking supervision in the course of the policy of cleaning the banking system of Ukraine is of particular importance. The issues of efficiency of regulation of the activities of commercial banks with the help of economic standards of the NBU remain topical. The article is aimed at a theoretical-methodical substantiation of the NBU economic standards system and identifying the peculiarities of their application as instruments for regulating the banking activities. The state of compliance with capital, liquidity and credit risk standards by commercial banks of Ukrain

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LARIONOVA, K., and T. DONCHENKO. "ANALYSIS AND ASSESSMENT OF CREDIT RISK OF BANKS OF UKRAINE." Herald of Khmelnytskyi National University. Economic sciences 278, no. 1 (2020): 233–40. https://doi.org/10.31891/2307-5740-2020-278-1-41.

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The negative consequences of the financial crisis, political instability, which significantly weakened the banking system of Ukraine, revealed the unwillingness of most banking institutions to promptly and adequately adjust credit policy to find the optimal balance between customer needs for credit resources, lending risks, liquidity requirements, collateral requirements credit funds of business entities with real assets, etc. The processes of internationalization and globalization in the financial market exacerbate the need to reassess the role and place of credit risk management of banking i

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Jalilian, Negar, Seyed Mahmoud Zanjirchi, and Mark Goh. "Interactive scenario analysis of banking credit risks in intuitive fuzzy space." Journal of Modelling in Management 15, no. 1 (2019): 257–75. http://dx.doi.org/10.1108/jm2-01-2019-0011.

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Purpose The purpose of the paper is to bring attention to documentary credits and the efforts to reduce debt obligations in credit history is recognized as an important source of uncommitted bank earnings. Credit risk has a significant impact on the stability of the banking system. This paper identifies the types of credit risk in the banking supply chain. Design/methodology/approach The authors model the types of credit risk using the intuitive fuzzy failure modes and effects analysis (IFMEA) and intuitive fuzzy cognitive mapping. The population of the study that is needed for the interviews

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Sokolova, Olga, Nadezhda Goncharova, and Pavel Letov. "Problems and Prospects for the Development of the UK Banking System in the Process of New Industrialization and Digitalization." SHS Web of Conferences 93 (2021): 05017. http://dx.doi.org/10.1051/shsconf/20219305017.

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The gist of this article boils down to the development of British banking system in the conditions of new industrialization and digitalization. The banking system of Great Britain is characterized by a high degree of concentration and specialization of banking, a well-developed banking infrastructure, and a close connection with the international loan capital market. London is the world's oldest financial center. The English banking system has the world's widest network of overseas branches. The UK banking system is relatively independent from the credit systems of the European Union. Neverthe

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Hoa, Vu Van, Hoang Dung, Ha Thi Thu Phuong, and Pham Van Hieu. "Human Resources Development of Vietnam Commercial Banking System." Cross Current International Journal of Economics, Management and Media Studies 4, no. 3 (2022): 19–27. http://dx.doi.org/10.36344/ccijemms.2022.v04i03.002.

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The Government has promulgated the "Strategy to develop the banking industry in Vietnam to 2025, with orientation to 2030," The strategic perspective on the development of Vietnam's banking system plays an essential role in the financial system. Credit institutions or commercial banks are treated equally, compete following the law, operate autonomously, and take self-responsibility. In the past time, although the human resource of the credit institution system has improved significantly, the Government still sets a requirement to focus on developing human resources of the banking industry to e

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Kepuladze, T. A. "Credit risk management in the bank." Bulletin of Dulaty University 16, no. 4 (2024): 216–25. https://doi.org/10.55956/bkov2679.

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The article is devoted to the issues of credit risk management in the banking sector, which remain a key factor in financial stability and sustainability of the banking system. The main attention is paid to the analysis of modern methods of assessing and minimizing credit risks, including the introduction of new digital technologies, improving borrower scoring procedures and the use of big data to predict customer solvency. The article discusses factors influencing the growth of problem loans, such as macroeconomic instability, increasing debt burden and changes in borrower behavior. Particula

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Soydan, Aylin, and Serap Bedir Kara. "IMPLICATIONS OF CAPITAL FLOWS FOR DOMESTIC CREDIT GROWTH: EVIDENCE FROM PANEL DATA ANALYSIS." Eurasian Journal of Economics and Finance 8, no. 4 (2020): 231–45. http://dx.doi.org/10.15604/ejef.2020.08.04.004.

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Following the 2007-2009 global crisis, high credit growth became an issue of concern with an emphasis on its relationship with capital flows. It is argued that large and volatile international capital flows lead to credit expansion, which in turn, may cause economic and financial instabilities when it reaches excessive levels, particularly in developing countries. This paper aims to investigate the association between credit growth and capital inflows in the context of developing countries by using panel data analysis. The methodology employed in the study offers a number advantages by allowin

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Pechenskaya-Polishchuk, M. A., and A. A. Volkov. "Trends of Regional Banking System Develoment (Illustrated by entities of the North-West Federal Area)." Vestnik of the Plekhanov Russian University of Economics 18, no. 1 (2021): 47–58. http://dx.doi.org/10.21686/2413-2829-2021-1-47-58.

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The article studies the lines in the development of banking system in regions of the North-West Federal Area. By analyzing the banking system on the regional level within the period being researched the authors identified such key trends as a decline in the number of regional banks, a growth in the total profit of the banking system in the federal area, a rise in the volume of credits granted to individuals, legal entities and individual entrepreneurs, a drop in credits given to entities of small and medium entrepreneurship, a cut in interest rates of credits to legal entities and a sharp incr

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Zhavoronok, Artur, Roman Shchur, Yuliia Zhezherun, Iryna Sadchykova, Nadiia Viadrova, and Lesia Tychkovska. "The Role of the Credit Services Market in Ensuring Stability of the Banking System." International Journal of Safety and Security Engineering 12, no. 6 (2022): 667–79. http://dx.doi.org/10.18280/ijsse.120602.

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In the article, the role of the credit services market in ensuring stability of the banking system is examined. The study was carried out on the basis of a detailed comparative analysis of the development of the banking system and the credit services market of Ukraine. This approach made it possible to identify the main prerequisites for the development of such a market, and possible options for the formation of crisis phenomena in its functioning. Within the article, it is also described in detail how the credit services market can have a destructive effect on stability of the country's banki

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Al-Bahadli, Sadiq T., Riad H. Al-Aqili, and Hafedh Abdulameer Ameen. "Deposit and Loan Guarantee Institutions and it’s Role in Restoring Confidence in the Iraqi Banking Sector." Webology 19, no. 1 (2022): 4194–212. http://dx.doi.org/10.14704/web/v19i1/web19277.

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Pacing from the part of deposits and loans in supporting banking stability, any peril that threatens this part constitutes direct trouble to the banking system. Thus, should develop the mechanisms to cover and guarantee the rights of depositors (deposit guarantee), and mechanisms to cover banks from remitment of bank credit and cover them from ruin and ruin through the establishment of an institution guaranteeing loans, which represents an abecedarian demand to guarantee and stabilize the banking system and restore lost Confidence in the Iraqi banking system. Consequently, the exploration prob

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Valibeigi, Mehrdad. "Banking and Credit Rationing Under the Islamic Republic of Iran." Iranian Studies 25, no. 3-4 (1992): 51–65. http://dx.doi.org/10.1017/s0021086200015711.

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Since the Iranian revolution of 1979, the Iranian banking system and practices have changed significantly. Shortly after the revolution, according to a decree by the Revolutionary Council, banks and insurance companies were nationalized. In 1980 and 1982 legislation was passed to convert all banking practices to Islamic interest-free banking. Despite such significant developments in the Iranian banking system, this area of research has not been given its due attention by the scholars in the field. It is the purpose of this study to describe the process of post-revolutionary change in the Irani

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Liu, Chenyu. "Credit Risk Management of Commercial Banks in China." BCP Business & Management 44 (April 27, 2023): 144–49. http://dx.doi.org/10.54691/bcpbm.v44i.4805.

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The banking sector has experienced significant growth since the reform and opening up and has also become aware of the transition from a single national banking system to the commercial banking system required by the market economy. However, the ability of China's commercial banks to develop further has been constrained by both internal and external forces. Due to the high non-performing assets and inadequate risk management in China's commercial banking sector, at the same time. It also hinders the development of the financial industry to some extent. Analyze the performance and factors that

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Xiuli, Zhu, Li Lianjun, and Xue Yunkui. "Banking system reform, earnings quality and credit allocation." China Journal of Accounting Research 5, no. 3 (2012): 217–29. http://dx.doi.org/10.1016/j.cjar.2012.08.001.

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Nikolaidou, Eftychia, and Sofoklis D. Vogiazas. "Credit Risk Determinants for the Bulgarian Banking System." International Advances in Economic Research 20, no. 1 (2014): 87–102. http://dx.doi.org/10.1007/s11294-013-9444-x.

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Sutomo, Sriwati. "The Foreclosed Collaterals As A Resolution For Bad Credit In Indonesia Banking System." Jurnal Daulat Hukum 4, no. 4 (2021): 287. http://dx.doi.org/10.30659/jdh.v4i4.18061.

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This research aim to understand the condition when a customer is no longer able to pay or repay a loan is called bad credit. This condition can actually cause many problems, ranging from difficulties in obtaining credit approvals to blacklisting by the bank. Collaterals are one of the requirements from the Bank when giving credit loans so that those collaterals can guarantee the credit’s acquittal should the debtor be breached. If there is a case of bad debts, banks have the option to solve the credit loan through the process of Foreclosed Collaterals. This journal is written on a legal and ju

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Yulia, Sklyarova Igor Sklyarov Irina Taranova Lyudmila Latysheva Lyudmila Piterskaya. "THE MAIN DIRECTIONS OF DEVELOPMENT THE BANKING AND FINANCIAL MANAGEMENT SYSTEM: THEORY AND PRACTICE." INDO AMERICAN JOURNAL OF PHARMACEUTICAL SCIENCES o6, no. 03 (2019): 5615–19. https://doi.org/10.5281/zenodo.2596653.

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<em>Banking management is a system of management impact carried out by certain organizational structures that ensure the timeliness and continuity of the movement of credit resources to achieve certain macro and microeconomic goals. This article discusses the problem of effective management of banking management, reflects its essence and functions.</em> <em>One of the reasons for the revocation of banking licenses is market bankruptcy, which is associated with the conduct of inefficient banking management. In connection with these, the presence in the commercial bank of effective banking manag

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Cheng, Po-Keng. "Fragile by Design." International Journal of Applied Behavioral Economics 5, no. 1 (2016): 48–52. http://dx.doi.org/10.4018/ijabe.2016010103.

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This paper provides review for which demonstrates the links between politics and banking. In addition to the perspective in , several recent studies relating to financial crisis are also introduced here. Issues about illiquidity, insolvency, credit boom, accuracy of credit rating, and neglected risk are discussed. Banking system is the bridge connecting households and sectors in the economy, where the design of the banking system has significant influence on the developments of countries.

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Buranbaeva, Liliya Z., Aigul F. Akhmadieva, and Guzel A. Musina. "Economic security of the country’s banking system in the context of digital transformation." Vestnik BIST (Bashkir Institute of Social Technologies), no. 2(63) (June 28, 2024): 100–106. http://dx.doi.org/10.47598/2078-9025-2024-2-63-100-106.

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The subject of the study is banking security. The purpose of the study is to identify the impact of economic crimes in the banking sector on ensuring economic security in the country in the context of growing digital risks. The objectives of the study are to consider the causes, dynamics, measures to prevent and combat crimes in the banking sector. The novelty of the study lies in the identification of factors and threats to banking security during the transition to a digital economy, digital data on economic crimes committed in the credit and banking system, the structure of economic security

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Bozarov, Shavkat Tadjibaevich. "DEVELOPMENT OF CREDIT RELATIONS IN UZBEKISTAN DURING THE YEARS OF INDEPENDENCE." Journal of law research 1, SI4 (2022): 5. https://doi.org/10.5281/zenodo.7278029.

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In this article the development of credit relations in Uzbekistan after the acquisition of state independence is analyzed, the significant influence of the banking system of the Soviet Union on the process of formation and development of the independent credit system of the Republic of Uzbekistan is shown, the preservation of certain administrative functions of commercial banks and a large share of the state in their authorized capital is indicates as a legacy of the Soviet state-administrative banking system. The article focuses on the creation and improvement of the legislation of the Republ

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