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Dissertations / Theses on the topic 'Credit committee of the bank'

Author: Grafiati

Published: 30 May 2022

Last updated: 31 July 2025

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1

Chadwick, Warren. "A study of the New Basel Capital Accord and its impact on South Africa and other emerging markets." Thesis, Stellenbosch : Stellenbosch University, 2002. http://hdl.handle.net/10019.1/52710.

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Thesis (MBA)--Stellenbosch University, 2002.<br>ENGLISH ABSTRACT: The new Basel Capital Accord is intended to align capital adequacy of banks more closely with the key components of banking risk and to provide incentives for banks to improve their risk measurement and management capabilities. This has important implications for banks, particularly in the area of credit risk management. The purpose of this study is to take an in-depth look at the implications for banks in the area of credit risk management and the choice of approach (i.e. standardised versus internal ratings based approac

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2

Dong, Hui, and 董慧. "Bank regulation, credit information, and bank cross-border M&As." Thesis, The University of Hong Kong (Pokfulam, Hong Kong), 2010. http://hub.hku.hk/bib/B45549783.

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3

Takang, Felix Achou, and Claudine Tenguh Ntui. "Bank performance and credit risk management." Thesis, University of Skövde, School of Technology and Society, 2008. http://urn.kb.se/resolve?urn=urn:nbn:se:his:diva-1318.

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<p>Banking is topic, practice, business or profession almost as old as the very existence of man, but literarily it can be rooted deep back the days of the Renaissance (by the Florentine Bankers). It has sprouted from the very primitive Stone-age banking, through the Victorian-age to the technology-driven Google-age banking, encompassing automatic teller machines (ATMs), credit and debit cards, correspondent and internet banking. Credit risk has always been a vicinity of concern not only to bankers but to all in the business world because the risks of a trading partner not fulfilling his oblig

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4

Burietz, Aurore. "Bank and Sovereign Credit in Financial Turmoil." Thesis, Amiens, 2015. http://www.theses.fr/2015AMIE0031/document.

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L'objectif de cette thèse est d'étudier tant les causes qui expliquent la faillite de Lehman Brothers et la crise des « subprime » que leurs conséquences pour deux agents économiques distincts, à savoir les banques et les souverains, à travers différentes approches empiriques originales. Nos résultats mettent en avant le fait que la crise des « subprime » trouve son origine dans la combinaison d'une bulle immobilière et de crédit associée à une hausse du risque dans les décisions d'investissement, le tout soutenu par des innovations financières telles que la titrisation. Ainsi, en 2008, lorsqu

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5

Paul-Chowdhury, Catherine M. "Bank learning from sector-specific credit losses." Thesis, National Library of Canada = Bibliothèque nationale du Canada, 1999. http://www.collectionscanada.ca/obj/s4/f2/dsk1/tape7/PQDD_0009/NQ40285.pdf.

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6

Kingsley, Akuetteh Charles. "Entrepreneurship and bank credit rationing in Ghana." Thesis, Durham University, 2009. http://etheses.dur.ac.uk/2244/.

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Previous researchers have empirically investigated the existence or otherwise of credit rationing of small businesses in both developed and developing economies. Particularly lacking are the study on the evidence of credit rationing on the individual entrepreneurs as founders and/or owner-managers of these small businesses. To fill this gap, this study examines two sets of data from the entrepreneurs of small businesses and the credit managers of commercial banks in Ghana. This study aimed at investigating the extent to which the entrepreneurs of small businesses were able to access bank credi

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7

ROTHSCHILD, FELIPE ROITMAN. "CREDIT AND INCOME: IDENTIFICATION THROUGH BANK COMPETITION." PONTIFÍCIA UNIVERSIDADE CATÓLICA DO RIO DE JANEIRO, 2010. http://www.maxwell.vrac.puc-rio.br/Busca_etds.php?strSecao=resultado&nrSeq=16544@1.

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Os impactos do aprofundamento financeiro e crescimento econômico são amplamente discutidos na literatura econômica. Tendo em vista a recente crise financeira, seus efeitos de longo-prazo devem ser analisados mais detalhadamente. Esse trabalho busca investigar o mecanismo de transmissão do aumento de crédito via a estrutura concorrencial do mercado bancário. Com suficiente concorrência nesse setor, o número de bancos será um bom instrumento para crédito em uma regressão de crescimento. São encontradas evidências de variação de concorrência no mercado bancário brasileiro no nível local, bem como

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8

Passarelli, Giroud Joaquim Gustavo. "Essays is bank competition and credit policy." Thesis, Massachusetts Institute of Technology, 2020. https://hdl.handle.net/1721.1/127034.

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Thesis: Ph. D., Massachusetts Institute of Technology, Department of Economics, May, 2020<br>Cataloged from the official PDF of thesis.<br>Includes bibliographical references (pages 284-290).<br>This thesis estimates the eect of competition in the financial sector using both individual level data and economic theory, and explores the role of credit policy in mitigating potential adverse effects of imperfect competition. The first essay uses heterogeneous exposure to large bank mergers to estimate the eect of bank competition on both financial and real variables in local Brazilian markets. Usin

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9

Moshoeshoe, Neko Thabiso. "Credit Information Sharing, Credit Growth and Bank Profitability: The Case of Lesotho." Master's thesis, Faculty of Commerce, 2019. http://hdl.handle.net/11427/30484.

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Credit extension plays an integral role in improving access to finance and financial inclusion by availing funds for borrowers while generating revenue for lenders and depositors. Borrowers’ delinquency and low risk appetite for lenders contribute to mediocre levels of credit extension. Information asymmetry problems in the credit market normally lead to banks refraining from lending optimally thus hampering credit growth and profitability. Lenders can benefit from rich borrower credit history to make informed lending decisions and realise returns. The purpose of credit reporting systems is to

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10

Akwaa, Sekyi Ellis Kofi. "Essays on bank internal governance and credit risk." Doctoral thesis, Universitat de Lleida, 2019. http://hdl.handle.net/10803/666178.

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Aquesta tesis pretén explorar els determinants del incompliment de préstecs bancaris i la relació entre els controls interns, les característiques del consell d’administració i del risc de crèdit en la banca europea. Dades primàries i dades de panell de Ghana i Europea respectivament varen ser utilitzades en un anàlisi quantitatiu mitjançant models OLS, GLS, 2-SLS i GMM per abordar la endogeneïtat. La propietat, les característiques dels préstecs, prestataris i prestadors, així com factores macroeconòmics i factors específics dels bancs són determinants significatius del incompliment del prést

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11

Hagemann, Harald. "L. Albert Hahn's Economic Theory of Bank Credit." WU Vienna University of Economics and Business, 2010. http://epub.wu.ac.at/2948/1/wu_wp134.pdf.

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In the mid-1920s L. Albert Hahn's Economic Theory of Bank Credit (1920) had become one of the most influential and certainly the most controversial book on monetary theory in the German language area. Hahn wanted to overcome the orthodox view that every credit has to be financed by means of savings deposited by the banks. Banks are producers of credit which is not limited by the amount of saving. Capital was seen by Hahn as the result of credit creation and not of saving. Over time Hahn moderated some exaggerations of the first two editions of The Economic Theory of Bank Credit, such as the id

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12

Quinn, Simon R. "Bank credit and legal status in Moroccan manufacturing." Thesis, University of Oxford, 2010. http://ora.ox.ac.uk/objects/uuid:999e2006-bd8e-4902-9bd9-3c0d08f41e46.

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Moroccan manufacturing firms generally choose to incorporate under one of two legal forms: ‘Société Anonyme’ (SA) and ‘Société À Responsibilité Limitée’ (SARL). This thesis is about that choice and its consequence for firms’ access to bank overdraft facilities. In 2001, Morocco made a radical change to its company law regime: it replaced a company law dating from 19th-century France with modern standards of corporate governance and accountability. In Chapter One, I use the two-period FACS/ICA panel to analyse that reform and to evaluate its impact upon manufacturing firms’ access to bank credi

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13

Cavaco, Francisco Ferreira. "Are negative interest rates on bank credit possible?" Master's thesis, Instituto Superior de Economia e Gestão, 2020. http://hdl.handle.net/10400.5/20570.

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Mestrado em Economia Monetária e Financeira<br>Na atual estrutura monetária, os bancos centrais estão limitados no seu objetivo de assegurar estabilidade de preços e pleno emprego devido ao limite inferior zero nas taxas de juro nominais. Isto acontece porque taxas de juro nominais negativas nos depósitos bancários - condição necessária para alcançar taxas de juro nominais negativas no crédito bancário - causariam uma fuga de depósitos para dinheiro físico, pois o dinheiro físico paga uma taxa de juro nominal igual a zero. Para contrariar esta restrição, propomos uma nova arquitetura monetária

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14

Libert, Thibault. "Three Essays on Bank Credit and Resource Allocation." Thesis, Paris, EHESS, 2019. http://www.theses.fr/2019EHES0184.

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De manière générale, cette thèse vise à évaluer dans quelle mesure l'hétérogénéité microéconomique influence les tendances et fluctuations des agrégats macroéconomiques, en particulier le crédit bancaire, la productivité et l'interaction entre ces deux variables.La première partie de la thèse est motivée par la faiblesse de la croissance de la productivité globale des facteurs observée post crise dans la plupart des pays développés. Cette partie étudie l'évolution et les caractéristiques de l'allocation des ressources dans le secteur manufacturier français avant, pendant et après la Grande Réc

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15

Rissy, Yafet Yosafet Wilben. "Corporate governance in people's credit banks in Indonesia: A study of the standards, model and compliance." Thesis, Queensland University of Technology, 2018. https://eprints.qut.edu.au/120982/1/Yafet%20Yosafet%20Wilben_Rissy_Thesis.pdf.

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This thesis is a study of corporate governance standards, model and compliance in People's Credit Banks (PCBs) in Indonesia. Applying a mixture of doctrinal legal research and empirical qualitative research, the thesis reveals that most of the standards are in line with international best practice. The thesis also finds the stakeholder model is acknowledged and PCBs must comply with their governance structure or be punished. However, several weaknesses are identified including that the existing regulations need to be adjusted to make the stakeholder model more applicable, and PCBs need to take

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16

Grundke, Peter. "Integrated market and credit portfolio models : risk measurement and computational aspects /." Wiesbaden : Gabler, 2008. http://d-nb.info/987215159/04.

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17

Hattori, Masazumi. "An investigation into bank behaviour, credit and business cycles." Thesis, University of Oxford, 1998. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.286633.

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18

Dimou, Paraskevi. "Models of corporate and bank default and credit migration." Thesis, City University London, 2007. http://openaccess.city.ac.uk/8596/.

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This thesis presents three studies on credit risk modelling. The first study compares the real default probabilities produced by three main structural models of default, Merton model, Longstaff and Schwartz model and Leland and Toft model, to the observed real default probabilities reported by Moody's for the BBB, BB and B rated bonds. We find that none of the models can accurately predict the default probabilities in all these cases. Merton as well as Leland and Toft models underpredict default probabilities. Longstaff and Schwartz model although it produces in some cases Expected Default Fre

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19

Ahaneku, O. P. "Bank credit availability: assets, corporate governance and financial literacy." Thesis, University of Surrey, 2014. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.616924.

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The goal of this study is to determine whether measures of firm-level corporate govemance, level of personal financial literacy and the lending technologies deployed by banks can predict the SME owner and/or manager's perception of bank credit availability. The study samples Chinese SMEs located in the northwestern city of Xi'an. The study finds that the owners and/or managers of SMEs perceive bank credit availability to be limited. Several estimated models using ordinal logistic regression were able to predict perceptions of bank credit availability. Firm size, bank loan demand, corporate gov

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20

Moreira, Susana Patrícia Reis Mendes Costa. "Determinants of personal credit defaults in a Portuguese Bank." Master's thesis, Instituto Superior de Economia e Gestão, 2015. http://hdl.handle.net/10400.5/13538.

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Mestrado em Finanças<br>O contexto de crise económica e financeira, originou o aumento da taxa de desemprego, o decréscimo do rendimento das famílias portuguesas, a piora das condições dos empréstimos e a desvalorização de activos de garantias, que combinado com outros factores, contribuiu para a intensificação do incumprimento de crédito no segmento dos particulares. Este trabalho tem como objectivo estudar os factores determinantes no incumprimento de crédito a particulares, num Banco português. Foi utilizada uma amostra de 7876 de operações de crédito a particulares em incumprimento, à data

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21

Santos, Hugo Miguel Bio. "Determinants of corporate credit defaults in a portuguese bank." Master's thesis, Instituto Superior de Economia e Gestão, 2015. http://hdl.handle.net/10400.5/10673.

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Mestrado em Finanças<br>As empresas passam por muitas dificuldades e objetivos durante a sua existência e, por essa razão, muitas vezes têm de recorrer a um empréstimo bancário. Incumprimento de crédito acontece quando uma empresa não consegue pagar uma obrigação imposta pelo banco, na celebração do contrato de empréstimo. Este trabalho levará a cabo um levantamento de probabilidade de incumprimento por parte das empresas portuguesas. Vamos testar uma amostra de 1749 empréstimos a empresas portuguesas concedidos por um banco português. Desta amostra, 279 empréstimos entraram em incumprimento.

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22

Eazell, Diane Patricia. "Justification for a credit union to charter a bank." CSUSB ScholarWorks, 2000. https://scholarworks.lib.csusb.edu/etd-project/1642.

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23

Simion, Giorgia <1990&gt. "Three essays on bank credit investors and debt financing." Doctoral thesis, Università Ca' Foscari Venezia, 2017. http://hdl.handle.net/10579/14080.

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Bank debt financing is a key element of bank capital structure and, as such, has a vital relevance for bank activity and stability. The global financial crisis and the banking reforms following it have significantly affected bank funding structure and, as a result, its cost of debt. In this context, bank credit investors have become object of interest due to their increased exposure to losses (e.g., bail-in measures), especially across Euro area banks that are the major issuers of bank bonds.This dissertation aims at analysing bank credit investor responses and investment choices, focusing on

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24

Ito, Sanae. "The Grameen Bank : rhetoric and reality." Thesis, University of Sussex, 1999. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.285079.

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25

Erlenmaier, Ulrich. "Risk management in banking credit risk management and bank closure policies /." [S.l. : s.n.], 2001. http://deposit.ddb.de/cgi-bin/dokserv?idn=963752502.

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26

Chun, Pan, and Qiu Tian. "Credit card business analysis of Bank of China : Is BOC credit card competitive?" Thesis, Mälardalens högskola, Akademin för hållbar samhälls- och teknikutveckling, 2010. http://urn.kb.se/resolve?urn=urn:nbn:se:mdh:diva-9981.

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27

Mu, Yuan. "Chinese bank's credit risk assessment." Thesis, University of Stirling, 2007. http://hdl.handle.net/1893/210.

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This thesis studies the Chinese banks’ credit risk assessment using the Post Keynesian approach. We argue that bank loans are the major financial sources in emerging economies and it is uncertainty, an unquantifiable risk, rather than asymmetric information about quantifiable risk, as held by the mainstream approach, which is most important for the risk attached to credit loans, and this uncertainty is particularly important in China. With the universal existence of uncertainty, borrowers and lenders have to make decisions based on convention and experience. With regard to the nature of decisi

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Basheikh, Abdullatif Mohamed. "Financial reporting in Saudi Arabia and bank lending decisions." Thesis, University of Portsmouth, 2002. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.271378.

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29

Black, Jes. "Chester A. Phillips and the forgotten history of bank credit." Doctoral thesis, Universitat de Barcelona, 2021. http://hdl.handle.net/10803/673952.

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This thesis studies the main contributions to monetary theory by Chester A. Phillips in the 1920s and 1930s which deal with the expansion of the money supply when commercial banks use the creation of bank credit to purchase a loan or asset. Chapter one deals with his doctoral thesis from 1919, A Study in Bank Credit, done at Yale under the supervision of Irving Fisher, which was then published as a book in 1920 and quickly won general acceptance as the definitive exposition on the multiple expansion of bank credit. This pioneering work dealt with the multiple expansion of deposits that result

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Буренова-Тультєва, Ю. С. "Розвиток споживчого кредитування в умовах нестабільності економіки". Thesis, 2018. http://dspace.oneu.edu.ua/jspui/handle/123456789/8110.

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Мета дипломної роботи полягає дослідженні теоретичного обґрунтування важливості впровадження банківськими установами України продуктів споживчого кредитування населення України, розкриттю діючої практики розвитку банківських та небанківських продуктів споживчого кредитування, а також пошуку напрямків удосконалення розвитку сегменту продуктів споживчого кредитування на основі систематизації існуючих тенденцій розвитку цього сектору в зарубіжних кредитного-фінансових установах.<br>The purpose of the thesis is to study the theoretical substantiation the importance of introducing products b

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31

"Impact of Basel II on the South African banking system." Thesis, 2008. http://hdl.handle.net/10210/273.

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The overall objective of this study was to determine the effect of Basel ll on the South African banking system through possible changes in the way in which a bank conducts its business. This purpose arose from the publication of the new Basel ll Framework on 26 June 2004, which has been adopted for implementation by the South African Reserve Bank. South Africa has set January 1, 2008 as the implementation date for Basel ll. The South African banks have mainly been focussing their efforts on becoming Basel ll compliant. Business line management and marketers have up until now not paid much att

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Tang, Ju-Yin, and 湯茹茵. "Trade Credit and Bank Credit in Taiwan." Thesis, 2013. http://ndltd.ncl.edu.tw/handle/96509233219222888332.

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博士<br>國立臺灣大學<br>經濟學研究所<br>101<br>This dissertation studies the roles of trade credit for Taiwanese firms in the transmission of monetary policy and in the times of financial crisis. In Chapter 2, we discuss how trade credit respond to a financial crisis. We investigate whether trade credit plays a role in mitigating or amplifying the impact of a financial crisis on the economy of Taiwan. We further examine the extent to which financial crisis affects the relationship between trade credit and bank credit. Using a panel data set consisting of 707 Taiwan manufacturing firms in the period 1999Q1 -

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Sheu, Meei-Huey, and 許美惠. "Empirical Analysis of Bank Credit-- for Example The A Bank Credit for SMEs." Thesis, 2012. http://ndltd.ncl.edu.tw/handle/dd24e2.

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碩士<br>國立虎尾科技大學<br>經營管理研究所在職專班<br>100<br>Small and medium enterprises (SMEs) which are the heart of Taiwan economic were founded very difficult and always need support by government to try to carry out policies. The crucial that banks decided to lend is often based on financial statements and the value of guarantees. To find an early warning model which can assist banks to make the best rule of credit guaranty is the motivation of this study. This study tries to establish a financial cris alert model which provides credit loan and amount of control for financial institution and the SME take pre

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Li, Chiu-Yi, and 李秋儀. "Bank Regulation and Credit Crunch." Thesis, 2004. http://ndltd.ncl.edu.tw/handle/27382284844582252537.

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碩士<br>國立中興大學<br>財務金融研究所<br>92<br>This paper analyzes the optimal managerial incentive scheme between an regulator and a bank manager. We also explore the effects of bank regulations on the bank’s attitude to liquidity shock of the investment project. In the model, the bank manager has moral hazard about exerting his efforts or shirking. If the bank manager works hard then the probability of choosing a good investment project is high. On the other hand, if the bank manager shirks, he chooses the bad project with high probability. The depositors’ principle and interest must be reimbu

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Hsu, Ying-Chieh, and 許英傑. "Bank Credit Practices：The Evidence on Taiwanese SMEs’ Credit Assessments." Thesis, 2014. http://ndltd.ncl.edu.tw/handle/63969774200973507633.

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碩士<br>東吳大學<br>會計學系<br>102<br>Credit assessments contains a wide range of factors, and they are susceptible to personal knowledge, experience and professional impact of subjective consciousness. This study focuses on, bank financing when assessing SME credit assessment principles common practice for the foundation, We use questionnaire to investigate, the difference of viewpoints on financing factors betweene banking executives and financial officers. The results indicate that there are significant differences between the two groups of people on the following important assess factors : 1.Do the

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Morgan, Donald Patrick. "Bank credit commitments, credit rationing and investment theory and evidence /." 1988. http://catalog.hathitrust.org/api/volumes/oclc/19715218.html.

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37

Wu, Mei-Ling, and 吳美齡. "Bank Credit Score Modeling －An Example of a Case Bank." Thesis, 2008. http://ndltd.ncl.edu.tw/handle/c366w5.

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碩士<br>國立東華大學<br>國際企業學系<br>96<br>Credit scoring is a value to evaluate the default or overdue risk of the enterprise. Such financial instrument is used to grade the loan applicant a severe score to decide whether to grant the loans or not？ And what is the possible amount and level of interest rates. A model with accuracy discrimination should be able to grade a high score to the enterprise whose performance is high, while grade the inferior one to a low score. Regarding the existing researches related with credit scoring, most of them emphasize on publicly listed companies, small and medium-si

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Liao, Hung-Wei, and 廖宏偉. "Countercyclical Buffer and Bank Credit Risk." Thesis, 2013. http://ndltd.ncl.edu.tw/handle/22588652038010250929.

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碩士<br>國立臺灣大學<br>財務金融學研究所<br>101<br>Countercyclical buffer is proposed as a macro-prudential mechanism to alleviate the pro-cyclicality of credit supply. This paper aims to investigate the additional benefits from the countercyclical buffer. From the perspective of structural-from credit model, this paper investigates the effects of countercyclical buffer on bank credit risk. We employ a newly developed proxy to capture the countercyclical buffer before its implementation. Four different credit risk proxies suggested by previous studies are included in this paper. The empirical results show tha

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HSUEH, YU-CHIN, and 薛鈺錦. "Bank Credit Risk and Monetary Policy." Thesis, 2016. http://ndltd.ncl.edu.tw/handle/61900729755417850691.

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碩士<br>國立高雄應用科技大學<br>金融系金融資訊碩士班<br>104<br>A procedure is estimated that Taiwan's domestic bank optimal credit risk in 2006-2014, and research the relationship between credit risk and monetary policy. Using ordinary least squares (OLS) of Panel data, plus the fixed effect of cross-section and whether plus the fixed effect of time or not to estimate optimal credit risk when bank profit maximization. Consider the problem of endogeneity, using generalized method of moments (GMM) estimate Panel data again. Based on bank must risk-taking to obtain profits, but when banks take too much risk, causing b

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Lu, Chi-Win, and 劉啟文. "Managing Bank Credit Risk-A comparison of internal credit scoring of Bank A and TCRI credit risk rating of Taiwan Economic Journal." Thesis, 2005. http://ndltd.ncl.edu.tw/handle/t9p43e.

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碩士<br>銘傳大學<br>財務金融學系碩士在職專班<br>93<br>Abstract Credit risk is one of the primitive and major risks that financial institutions should face in doing business. According to The New Basel Capital Accord, financial institutions use “internal credit scoring system” to analyze its credit risk, to optimize its capital input and improve its capital efficiency is a plus, e.g. it urges financial institutions to establish an internal credit scoring system based on its business strategy, scale, characters and risk-taking abilities to adopt a selected credit risk modeling, therefore, this model could support

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Lin, Kun-Te, and 林坤得. "Credit Rating Model of Bank Branches－A Case Study of Bank." Thesis, 2018. http://ndltd.ncl.edu.tw/handle/b23yp4.

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碩士<br>國立中興大學<br>應用經濟學系所<br>106<br>The financial industry is very important to economic of the country and in deep influence overall economic environment.Good or bad of business performance in bank rely on the operating efficiency of branches. The management also hold the assessment of business performance and use this to draft business strategies and directions in order to promote healthy competition among branches and business performance and competitiveness of the bank. This research uses 262 branches of a bank and financial and operational information related to credit rating indicators fro

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Kumar, Subodh. "Sectoral deployment of bank credit in India." Thesis, 1991. http://hdl.handle.net/2009/5216.

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PENG, YA-CHI, and 彭雅琪. "THE RISK MEASUREMENT OF BANK REVOLVING CREDIT." Thesis, 2006. http://ndltd.ncl.edu.tw/handle/56454932460288703923.

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碩士<br>國立臺北大學<br>統計學系<br>94<br>The main purpose of my thesis is to employ logistic regression to build a predictive model for bank credit risk management. With the establishment of the model, banks can not only take preemptive actions to reduce credit losses arising from defaults but also calculate the required capital and risk assets based on the risk weights set forth by the new Basel Capital Accord（Basel II）. The research is based on 2590 revolving credits from X bank during 2003 and 2005. These samples are divided into two data sets: the building data set for model training and the va

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LI, CHING-HUI, and 黎菁蕙. "Bank mortgage credit system evaluation case study." Thesis, 2011. http://ndltd.ncl.edu.tw/handle/m756fj.

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碩士<br>國立臺灣科技大學<br>管理研究所<br>99<br>Case's residential housing loans (residential housing loans and housing repair loans) is currently the national volume of business banking One of the top five. In this study, mainly due to the borrower of the limited family income growth, the central bank following the financial sea Xiao repeatedly cut interest rates, market interest rates began to successive raising and house prices high, even high frequency, housing Occupied by non-limited, to the borrower for the purpose of investment in pre-increase compared to the case, the burden of loans to borro

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Hsueh, Huang Chang, and 黃昶學. "A Study of Bank Credit Rating Models." Thesis, 2007. http://ndltd.ncl.edu.tw/handle/90328702487322050962.

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碩士<br>國立暨南國際大學<br>資訊管理學系<br>96<br>In recent years many banks often occur over loan,embezzlement or inappropriate asset management. Facing these problems, banking supervision cannot supervise these banks efficiently, so it takes a huge of social cost. Hence, the importance of bank credit rating is extraordinarily significant. This study collects 29 banks from Taiwain ratings corporation. There are 103 samples from 2002 to 2006. There are 84 training samples from 2002 to 2005. There are 19 testing samples from 2006. This study constructs bank credit rating model by using rough sets,support vect

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Hsu, Yu-Fang, and 許瑜芳. "Credit Risk Measurement of Bank Loan Portfolios." Thesis, 2007. http://ndltd.ncl.edu.tw/handle/81746323897966080911.

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碩士<br>輔仁大學<br>金融研究所<br>95<br>In order to adapt to the fast change of the financial environment, the Financial Supervisory Commission, Executive Yuan urges local banks to improve their risk management ability. However, most local banks are still in the initial stage of getting familiarized with credit risk models. Therefore, local banks are advised to take in the experience from the advanced credit risk models already developed by internationally acclaimed financial institutions in order to develop credit risk models suitable to their operations. The dissertation examines small and medium-sized

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Yang, Ching-Mei, and 楊靜美. "Discussion on the Relationship between Credit Managers' Capability and Bank Credit Conditions." Thesis, 2018. http://ndltd.ncl.edu.tw/handle/wu68q8.

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碩士<br>國立雲林科技大學<br>財務金融系<br>106<br>This study used the Taiwan Economic Daily database to collect non-financial institutions listed in Taiwan from 2006 to 2014. The financial industry with different industry characteristics was excluded. After deleting the missing values, the company's managerial capabilities and bank credit conditions were discussed. Relevance, and establish three hypotheses for relevant empirical analysis. Therefore, the purpose of this study is to explore whether the company's managerial ability and bank credit conditions are related; when the company's managerial ability is

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Huang, Bo Chang, and 黃博昌. "Relationships between Bank performance, Bank Characteristics and Credit Card Sales in Taiwan." Thesis, 2014. http://ndltd.ncl.edu.tw/handle/02655202724615442635.

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碩士<br>國立中正大學<br>財務金融研究所<br>102<br>As the banks in Taiwan face liberalization and internationalization of the financial market, competition of various banking services continues to be intense. In recent years, upon financial reform measures of the government, the banking system of financial institutions in Taiwan has been changed. Asset quality or risk management is relatively improved. However, profit capacity of banks should be enhanced. Besides continuing the traditional deposit and loan service, banks should also actively provide different services to increase competitiveness. After the cri

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Chen, Jo-Yi, and 陳若儀. "On the study of Credit Risk for Individual Credit Card:Case on a Bank." Thesis, 2010. http://ndltd.ncl.edu.tw/handle/44273719464082157365.

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碩士<br>銘傳大學<br>風險管理與保險學系碩士在職專班<br>98<br>In the present study, we try to make use of the model established with the credit risk fundamental elements to select the significant factors that would affect cardholders into a breach of contract. In recent years amidst the continually mounting inflation and unemployment, cardholders significantly lack desire to use credit cards into consumption, leading to a remarkable impact upon the credit card markets. Will the macro-financial ambiance be continually declining in the future? All financial institutions are earnestly advised to work out the pre-alar

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Sun, Ming-Yuan, and 孫敏瑗. "Evaluation of Taiwan's Bank Performance with Credit Rating." Thesis, 2005. http://ndltd.ncl.edu.tw/handle/99019858921436315093.

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碩士<br>東吳大學<br>經濟學系<br>93<br>As the Commercial Bank Established Promotion Decree was announced in the early 1980, the number of both domestic and foreign banks has significantly increased and hence led to the keen competition in the banking industry. Banks may increase its market share through various ways, which might influence the credit level of banks. As a result, the operating efficiency and the credit rating are highly paid attention in nowadays. Different from other industries, banking industry is operating based on the credit, which influence the reputation of a bank greatly. In this th

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