Relevant bibliographies by topics / Credit potential of banks

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Academic literature on the topic 'Credit potential of banks'

Author: Grafiati
Published: 28 May 2022

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Journal articles on the topic "Credit potential of banks"

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Gunes, Erdogan, and Hormoz Movassaghi. "Agricultural Credit Market and Farmers’ Response: A Case Study of Turkey." Turkish Journal of Agriculture - Food Science and Technology 5, no. 1 (January 15, 2017): 84. http://dx.doi.org/10.24925/turjaf.v5i1.84-92.951.

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Agriculture is an important sector in Turkey’s economy. Access to credit financing is critical for timely acquisition of different inputs, farm productivity, and ultimately farmers’ financial well-being. Historically, Ziraat Bank and Agricultural Credit Cooperatives, supported by Turkish government, have been the principle supplier of loanable funds in the agricultural sector. However, since 2000, many private banks have discovered the potential of this market and entered the competition. This study was designed to investigate the structure of the agricultural credit market in Turkey and identify factors that influence farmers’ preference among alternative lenders. It was found that although the 550 Turkish farmers surveyed had several options among lenders, low interest rates and attainable eligibility criteria emerged as the most important differentiators among banks. Results from the Analytic Hierarchy Process (AHP) demonstrate the rising role of private banks’ credit. However, Ziraat Banks’ subsidized credits still dominant and its composite weight is 30.74% of total amount of agricultural credit market.
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CHERNYSHOVA, Liliia, and Kateryna MUNTIAN. "Management of development of the deposit resources for a strengthen of the bank's credit potential." Economics. Finances. Law, no. 12 (December 16, 2020): 20–25. http://dx.doi.org/10.37634/efp.2020.12.4.

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The paper is devoted to studying trends in the deposit market of Ukraine and establishing the relationship between the bank's deposit portfolio and strengthening its credit positions. This topic is relevant today, since the security of the deposit base is the key to the sustainable operation of banks in the crisis economy of Ukraine. The purpose of the paper is to study trends in the development of deposit activities of the banking system of Ukraine, establish the interdependence between the deposit resources of banks and the volume of credit operations to develop effective management measures aimed at developing work in the field of raising funds, taking into account the risk factor, to strengthen the credit potential of banking institutions in the context of the crisis state of the Ukrainian economy. The paper studies the development trends of the deposit and credit markets of Ukraine. It is noted that the decrease in the credit capabilities of banking institutions in the country is due to a lack of long-term resources, limited access to borrowing on international markets, and a deterioration in the solvency of borrowers. With this in mind, management steps for implementing the bank's deposit policy are presented. Each of these stages is directly related to the others and is mandatory for the formation of an optimal deposit policy of a credit institution and the correct organization of the deposit process. In turn, as we have determined, the prerequisite and basis for activating work in this direction is the formation of a proper supporting component. The risks that the bank faces when attracting resources are also considered, methods of managing them are proposed, and management measures are developed to improve the development of the deposit policy of Ukrainian banks. A certain approach to managing the development of deposit resources of a banking institution will help identify and solve many internal problems of credit institutions, will allow developing tools to strengthen their credit potential, which will allow them to obtain real competitive advantages and ensure a stable position in the market.
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Ivanović, Maja. "Determinants of Credit Growth: The Case of Montenegro." Journal of Central Banking Theory and Practice 5, no. 2 (May 1, 2016): 101–18. http://dx.doi.org/10.1515/jcbtp-2016-0013.

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Abstract In the period before the crisis, Montenegro experienced a rapid credit growth, which coincided with the privatization of several banks and was followed by the entry of foreign banking groups, amplifying the banks’ lending process and increasing competition in this sector. This paper focuses on identification and estimation of determinants of credit growth in Montenegro, exploring both demand and supply side factors, and particularly paying attention to supply factors. Our findings confirm that positive economic developments and an increase in banks’ deposit potential lead to higher credit growth. Furthermore, our findings emphasize that the banking system soundness is decisive for promoting further bank’s lending activities. We provide evidence that the weakening of banks’ balance sheets, in terms of high non-performing loans and low solvency ratio, has a negative effect on credit supply. In addition, this paper provides a nuanced analysis of the determinants of credit growth by allowing these to be different before and after the global financial crisis. The post-crisis model finds that credit supply indicators gained in importance in explaining credit growth, while the model in pre-crisis period provides evidence that both demand and supply indicators matter in explaining credit growth.
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Maran, Maran. "Impact of Interest Loan, Growth of Regional Gross Domestic Product, Inflation and Economic Growth on Loans at Credit Union in West Kalimantan, Indonesia." Journal of Asian Multicultural Research for Economy and Management Study 2, no. 3 (May 4, 2021): 37–47. http://dx.doi.org/10.47616/jamrems.v2i3.119.

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Loans or credits offered by Kopdit credit unions are a potential source of funds that need to be developed, to help accelerate the home industry and the micro and small economies. Therefore, we want to see the impact of several conditions such as the loan interest rate, GDP per capita growth, inflation rate and economic growth. Quite a number of studies have looked at the impact of interest rates, GDP growth, inflation rates and economic growth on loans or credits to banks or banking institutions. We do not look at credit or loans from banks, but on Kopdit credit unions (CU). The results of our research show that simultaneously the loan interest rate, GDP growth, inflation rate and economic growth have a strong enough influence on loans at Credit Union Credit Unions, namely 79.2454%. Partially the variable of loan interest rate, GDP growth per capita, inflation rate affects outstanding loans, while economic growth partially has no effect on outstanding loans.
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Spallone, Marco, and Pina Murè. "Strategic group lending for banks." Banks and Bank Systems 13, no. 1 (March 29, 2018): 115–27. http://dx.doi.org/10.21511/bbs.13(1).2018.11.

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Credit institutions often refuse to lend money to small firms. Usually, this happens because small firms are not able to provide collateral to lenders. Moreover, given the small amount of required loans, the relative cost of full monitoring is too high for lenders. Group lending contracts have been viewed as an effective solution to credit rationing of small firms in both developing and industrialized countries. The aim of this paper is to highlight the potential of group lending contracts in terms of credit risk management. In particular, this paper provides a theoretical explanation of the potential of group lending programs in screening good borrowers from bad ones to reduce the incidence of non-performing-loans (NPL). This paper shows that the success of firms involved in selected group lending programs is due to the fact that co-signature is an effective screening device: more precisely, if lenders make a proper use of co-signature to screen good firms from bad ones, then only firms that are good ex-ante enter group lending contracts. So, the main argument of this paper is that well designed group lending programs induce good firms to become jointly liable, at least partially, with other good firms and discourage other – bad-firms to do the same. Specifically, co-signature is proven to be a screening device only in the case of a perfectly competitive bank sector.
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Maulana, Robby, and Chaikal Nuryakin. "THE EFFECT OF SAVING ACCOUNT OWNERSHIP AND ACCESS TO FINANCIAL INSTITUTIONS ON HOUSEHOLD LOANS IN INDONESIA." Buletin Ekonomi Moneter dan Perbankan 24, no. 3 (September 30, 2021): 465–86. http://dx.doi.org/10.21098/bemp.v24i3.1428.

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This study investigates whether saving account ownership and access to financial institutions influence household credit in Indonesia. Using a multinomial logit regression model and a sample of 294,426 households from the 2018 national socioeconomic survey and the village potential data, we find that account ownership is essential in encouraging formal credit and reducing informal credit. Access to commercial banks, rural banks, and cooperatives can then improve formal credit without significantly reducing informal credit. Hence, the government needs to encourage bank account ownership and facilitate access to financial institutions in order to promote formal credit and reduce informal credit.
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Mery, Mery, and Chalid Abdul Dony. "The Effects of Credit Growth on Risk and Performance of Conventional Banks in Indonesia." Journal of International Conference Proceedings 4, no. 1 (July 22, 2021): 140–49. http://dx.doi.org/10.32535/jicp.v4i1.1135.

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Indonesia is a developing country with a bank-based country structure. Credit is the largest component of banking assets. Credit growth with the low interest rates and low standard criteria for potential borrowers will have an impact on the credit risk faced by banks. The purpose of this study is to look into the effect of credit growth on the risk and performance of Indonesian conventional banks. This study uses dynamic panel data with the Generalized Method of Moment (GMM) approach. There are 3 hypotheses to be tested: first, the relationship between credit growth and credit risk using a credit loss approach. Second, the relationship between credit growth and bank profitability using a bank interest income approach. Third, the relationship between credit growth and bank solvency using the ratio of capital to assets. The data used in this study is taken from 93 conventional commercial banks registered with the Indonesia Financial Service Authority (Otoritas Jasa Keuangan) in the period of 2009-2019. The results showed that credit growth has a significant negative effect on credit risk and has a significant positive effect on the profitability and solvency of conventional commercial banks in Indonesia.
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Antonova, Olena. "MAIN THREATS TO THE FORMATION OF THE SECURITY SYSTEM OF BANKS CREDIT ACTIVITIES." Actual Problems of Economics 1, no. 223 (January 22, 2020): 55–72. http://dx.doi.org/10.32752/1993-6788-2020-1-223-55-72.

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The article considers the main threats to the formation of the security system of credit activity of banks. It is proved that the security of banking institutions is multifunctional and complex. This is an important component of national security, which is characterized by balance and resilience to external and internal threats, its ability to achieve its goals and generate sufficient financial resources to ensure sustainable development. It is proposed to consider the security of banking activities as the security of the bank, banking staff, security of banking operations, as well as the security of the bank's shareholders, competitors of the bank and partners of the banking institution. After analyzing the approaches of scientists to understanding the concepts of "threat" and "danger", we give our own understanding of the term "threat to credit activity", which means explicit and implicit actions of competitors, borrowers and bankers aimed at lending operations institutions and need active and passive actions to reduce their negative manifestation. Threats to the security of banks' lending can be divided into two major groups - internal (microeconomic) and external (macroeconomic). External (macroeconomic) threats include factors that are the result of the impact of the external environment on the bank's lending activities. Internal (microeconomic) threats include factors that are either directly generated by the bank or are part of its internal environment. The deepening of the crisis in the economy of Ukraine requires an objective and unbiased assessment of the security of credit activity of banks in order to timely diagnose and prevent threats, as well as develop an adequate and effective strategy for managing credit security of banks. The development of an effective mechanism for improving the level of credit security of banks should be based on the assessment of threats to this security. The completeness, timeliness and effectiveness of management measures to eliminate, prevent and prevent existing and potential threats to lending activities largely depend on an adequate assessment of the current level of security of the bank's lending activities.
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Wójcicka, Aleksandra. "Neural Networks in Credit Risk Classification of Companies in the Construction Sector." Econometric Research in Finance 2, no. 2 (January 5, 2018): 63–77. http://dx.doi.org/10.33119/erfin.2017.2.2.1.

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The financial sector (banks, financial institutions, etc.) is the sector most exposed to financial and credit risk, as one of the basic objectives of banks' activity (as a specific enterprise) is granting credit and loans. Because credit risk is one of the problems constantly faced by banks, identification of potential good and bad customers is an extremely important task. This paper investigates the use of different structures of neural networks to support the preliminary credit risk decision-making process. The results are compared among the models and juxtaposed with real-world data. Moreover, different sets and subsets of entry data are analyzed to find the best input variables (financial ratios).
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Bonfanti, Angelo. "Sviluppo sostenibile in azione: il ruolo delle Banche di Credito Cooperativo nella comunitÀ locale." MERCATI & COMPETITIVITÀ, no. 2 (May 2009): 61–81. http://dx.doi.org/10.3280/mc2009-002004.

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- This paper will analyze the role of Cooperative Credit Banks (CCBs) as actors and promoters of sustainable development within the local community. In particular, the Total Corporate Communication Model (Balmer & Gray, 2000) will be used to present a qualitative exploratory research on the initiatives and interventions undertaken by CCBs in their territories. The communication tools employed by CCBs to promote the value of sustainability will be discussed. The analysis will lead to the identification of potential strategic strengths as well as improvement areas in the CCBs' actions for sustainable development.Keywords: Cooperative Credit Banks, sustainable development, corporate social responsibility, corporate identity, corporate communication, corporate culture.Parole chiave: Banche di Credito Cooperativo, sviluppo sostenibile, responsabilitÀ sociale d'impresa, identitÀ d'impresa, comunicazione d'impresa, cultura aziendale
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Dissertations / Theses on the topic "Credit potential of banks"

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Hult, Christina, and Ofelia Isberg. "Potential challenges that occur within the banks credit assessment of property companies." Thesis, KTH, Fastigheter och byggande, 2014. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-152602.

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Our study highlights the potential challenges that occur within the banks credit assessment of property companies’ repayment ability and what improvements can be implemented to reduce the weaknesses of the credit process. The study aims to provide a greater understanding of how the credit assessment process works within a bank and to pay attention to where potential weaknesses in the system are located. The study is based on theoretical and empirical data. The theoretical part of the study is based upon evidence from literary and scientifical sources, while the empirical data consists of interviews from professional experts and of a researcher within the banking and property sector. The credit culture in the banking system has changed in recent decades as a result of previous real estate and financial crises. Banks have become more restrictive with their credit lending and they have begun to move towards a more classical view of banking. When banks perform a credit assessment they look at both the evaluation flow and the cash flow and it is the cash flow that displays the companies’ repayment ability. Banks uses tools such as stencils and models to assess companies’ cash flow and they do it to try and predict how the companies future capital will look like and how it will develop. It is within the banks prediction of the future of the companies cash flow that you can find the most uncertainties. This is especially true when it comes to credit lending to property companies and the reason is the major risk that banks take within this type of credit granting. The risks are linked to the large loan amount that property companies need to make their business work and also to the long time period that is expected when it comes to large credit granting from banks. There are also some concerns about the assessment of future corporate profits because it is related to a lot of different factors such as the time period of the existing leases within a residential property, the level of the current rent and fear of future vacancies. As a bank, there is often a security in the property when granting loans to property companies and problems can occur when the actual property is of a unique type of real estate. It could lead to difficulties for the bank when they try to estimate the value of the property or when banks need to find a possible buyer. There are also some problems for the banks when it comes to the geographical location of the property because of the connection that prices have to the location of the property. The difficulties when it comes to the assessment of the property companies’ cash flow are many but the banks have an optimistic view on the credit assessment system as it is today.
Vår studie undersöker eventuella utmaningar som förekommer vid bankers kreditbedömning av fastighetsföretags återbetalningsförmåga samt vilka förbättringar som kan genomföras för att reducera dessa problem inom bedömningsprocessen. Uppsatsen syftar till att ge en ökad förståelse för hur kreditbedömningsprocessen inom bankväsendet går till samt uppmärksamma vart de potentiella svagheterna i systemet ligger. Studien är uppbyggd på teoretisk och empirisk data. Den teoretiska delen av arbetet bygger på fakta från litterära och vetenskapliga källor medan den empiriska datan utgörs av intervjuer från yrkesverksamma experter och forskare inom bank och fastighetssektorn. Kreditkulturen inom bankväsendet har förändrats de senaste decennierna till följd av tidigare fastighets- och finanskriser. Bankerna har blivit mer restriktiva med sin kreditgivning och de har börjat gå mot en allt mer klassisk syn på bankverksamhet. Då banker gör en kreditbedömning ser de dels till värderingsflödet men även till kassaflödet och det är kassaflödet som i sin tur visar företagens återbetalningsförmåga. För att bedöma kassaflödet använder sig banker av schabloner och modeller. Bankerna tittar på företagens kassaflöden för att bedöma hur bolagens framtida kapital kommer att se ut och utvecklas. Det är i detta framtidsmoment som man kan finna en del osäkra bedömningsfaktorer. Vid kreditutlåning till fastighetsföretag är bankerna överens om att den största risken ligger i de stora lånebeloppen som fastighetsbolag behöver för att få sin verksamhet att fungera samt i de långa tidsförlopp som dessa lån ligger på. Det kan vara svårt för banker att göra bedömningar av företagens framtida intäkter då de är beroende av ett flertal svårberäkneliga faktorer, däribland hyreskontrakten, hyresnivån och rädslan för framtida vakanser. Som bank har man oftast en säkerhet i själva fastigheten då man beviljar krediter till fastighetsbolag och problemet för bankerna kan uppstå då fastigheten i fråga är av en unik fastighetstyp. Det kan leda till att det blir svårt att uppskatta fastighetens värde och eventuellt hitta en köpare vid behov av försäljning. Ytterligare problem finns även kring den geografiska placeringen av fastigheten då efterfrågan delvis beror på fastighetens läge. Utmaningarna är många men bankerna har en optimistisk syn på kreditsystemet så som det ser ut idag.
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Lanz, Luciano Quinto. "The potential role of SMEs’ credit guarantee schemes to promote financial inclusion in Brazil." reponame:Biblioteca Digital do Banco Nacional de Desenvolvimento Econômico e Social, 2017. http://web.bndes.gov.br/bib/jspui/handle/1408/12915.

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Dissertação (mestrado) - Columbia University - School of International and Public Affairs, New York, 2017
Bibliografia: p. [64]-72
All rights reserved. The total or partial reproduction of the work is prohibited without authorization from the University, the author and the advisor.
Texto em inglês e resumos em inglês e português
A dificuldade de acesso ao crédito é um dos maiores obstáculos para a sobrevivência das pequenas e médias empresas (PMEs). Uma das principais razões para isso é a falta de garantias. Essa situação se reflete na baixa competitividade e alta desigualdade do Brasil. Os sistemas de garantia fornecem esta garantia. Esta tese analisa o papel potencial dos esquemas de garantia para promover a inclusão financeira no Brasil. Para alcançar esse objetivo, a pesquisa analisa a competitividade e a desigualdade do Brasil e sua relação com o acesso ao crédito. A metodologia utilizada foi um estudo de caso sobre o Fundo Garantidor para Investimentos (FGI), utilizando abordagem qualitativa e estatísticas descritivas. A coleta de dados baseou-se em entrevistas semiestruturadas, fontes secundárias, análise de documentos e dados operacionais. A análise utilizou os modelos de construção e reparação de confiança entre organizações, o papel dos bancos nacionais de desenvolvimento nos sistemas de garantia e o benchmark internacional para governança e eficácia dos esquemas de garantia. Os resultados demonstram que o FGI conseguiu criar uma governança adequada e estabelecer confiança com os bancos. Até 2017, 26 bancos contrataram mais de 32 mil operações no valor de 1,9 bilhões de dólares, com adicionalidades comparáveis ao benchmark internacional. No entanto, estudos adicionais são necessários para estabelecer uma ligação entre a adicionalidade dos esquemas de garantia e o desenvolvimento social e econômico.
Difficult access to credit is one of the greatest obstacles to the survival of small and medium-sized enterprises (SMEs). One of the major reasons for this is the lack of guarantees. This situation is reflected in Brazil’s low competitiveness and high inequality. Guarantee Schemes provide this guarantee. This thesis analyzes the potential role of guarantee schemes to promote financial inclusion in Brazil. To achieve this objective the research analyzes Brazil competitiveness and inequality and their relation to credit access. The methodology used was a case study over the Fundo Garantidor para Investimentos (Investment Guarantee Fund - FGI), using a qualitative approach and descriptive statistics. Data collection relied on semi-structured interviews, secondary sources, document analysis and operational data. The analysis used inter-organization trust building and repair models, the role of national development banks in the guarantee systems and the international benchmark for governance and effectiveness of guarantee schemes. The results demonstrate that FGI achieve adequate governance and established trust with the banks. By 2017, 26 banks contracted more than 32,000 operations worth 1.9 billion dollars, with additionalities comparable to the international benchmark. However, additional studies are necessary to establish a link between the guarantee schemes additionality and social and economic development.
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Кравець, А. Ю. "Фактори впливу щодо формування та реалізації кредитного потенціалу банку." Thesis, Українська академія банківської справи Національного банку України, 2008. http://essuir.sumdu.edu.ua/handle/123456789/61382.

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Виділено фактори, які дозволить кредитним установам враховувати відтік грошових коштів, їх неочікуване подорожчання, а також ефективне розміщення цих ресурсів серед своїх позичальників
Allocated credit factors institutions take into account the outflow of funds, their unexpected rising prices, as well as the efficient allocation of these resources among their borrowers
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Кравець, А. Ю. "Фактори впливу щодо формування та реалізації кредитного потенціалу банку." Thesis, Українська академія банківської справи Національного банку України, 2008. http://essuir.sumdu.edu.ua/handle/123456789/61069.

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Сьогодні стан банківського сектора свідчить про те, що банківські установи все більше стали виконувати функцію посередника у сфері надання фінансових послуг фізичним та юридичним особам. Протягом 8 місяців поточного року активи банків збільшилися на 23,5 %, або на 141,1 млрд. грн. і становлять 740,5 млрд. грн. Загальні активи збільшилися на 23,7 %, або на 146,7 млрд. грн. і становлять 765,8 млрд. грн. Збільшення загальних активів відбулося в основному за рахунок збільшення кредитів, наданих банками, – на 26,8 %, або на 130,3 млрд. грн., з них: кредитів, що надані суб’єктам господарювання, – на 27,5 %, або на 76 млрд. грн., кредитів, наданих фізичних особам, – на 30 %, або 46,1 млрд. грн.
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Карбівничий, І. В. "Механізм формування та реалізації кредитної політики банку." Thesis, Українська академія банківської справи Національного банку України, 2011. http://essuir.sumdu.edu.ua/handle/123456789/51574.

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У дисертаційній роботі систематизовано та узагальнено теоретичні засади формування, досліджено напрямки реалізації та визначено шляхи удосконалення кредитної політики банку. Сформульовано авторське визначення економічної сутності кредитної політику банку та досліджено ключові елементи механізму формування даної політики. Обґрунтовано доцільність виділення у структурі механізму ефективної реалізації кредитної політики механізму банківського кредитування та механізму фінансового забезпечення, який вивчався на основі дослідження кредитного потенціалу банку. Удосконалено методику оцінки кредитоспроможності позичальника банку – юридичної особи на основі врахування величини позичальників та їх галузевої спеціалізації. Розроблено комплексний науково-методичний підхід до управління кредитними ризиками в банку на основі побудови адекватної системи процедур обчислення їх масштабної та імовірнісної оцінки. Розроблений підхід призначений для вимірювання й управління кредитним ризиком банку з урахуванням процентних та валютних ризиків, ризику ліквідності, а також ризиків відтоку клієнтів та падіння попиту на кредитні ресурси.
В диссертационной работе систематизированы и обобщены теоретические принципы формирования, исследованы направления реализации и определены пути усовершенствования кредитной политики банка. Сформулировано авторское определение экономической сущности кредитной политики банка, а также исследованы ключевые элементы механизма формирования данной политики. Установлено, что механизм формирования кредитной политики банка включает следующие основные элементы: целевые ориентиры кредитной деятельности; принципы формирования кредитной политики; факторы, определяющие параметры кредитной политики; количественные и качественные характеристики кредитной деятельности. Обоснована целесообразность выделения в структуре механизма эффективной реализации кредитной политики механизма банковского кредитования и механизма финансового обеспечения. Определена сущность и обосновано значение кредитного потенциала банка в механизме формирования и реализации его кредитной политики. В структуре совокупного кредитного потенциала банку выделен иммобилизированный потенциал и мобилизированный потенциал. Определенно, что основным методом оптимизации финансового обеспечения механизма реализации кредитной политики банков Украины должна быть диверсификация кредитного потенциала путем внедрения новых депозитных продуктов и привлечения новых клиентов. Усовершенствование управления депозитными операциями банка будет способствовать трансформации средств, привлеченных из депозитных источников в кредитные ресурсы. Усовершенствована методика оценки кредитоспособности заемщика банка – юридического лица в разрезе субъектов корпоративного бизнеса и предприятий малого и среднего бизнеса. Спецификой данного подхода является оценка финансового состояния заемщика с учетом его отраслевой специализации. Разработан комплексный научно-методический подход к управлению кредитными рисками в банке на основе построения адекватной системы процедур вычисления их масштабной и вероятностной оценки. Разработанный подход предназначен для измерения и управления кредитным риском банка с учетом процентных и валютных рисков, риска ликвидности, а также рисков оттока клиентов и падения спроса на кредитные ресурсы.
The thesis systematizes and summarizes the theoretical foundations of formation, ways of realization and improvement of the credit policy in banks. The thesis offers the author’s definition of the economic essence of the credit policy of banks and studies the key elements of the mechanism of this policy’s formation. It substantiates the appropriateness of defining in the structure of the effective realization of the credit policy the mechanism of bank crediting and the mechanism of financial provision, which were studied on the basis of the research of the credit potential of banks. The thesis develops the methods for the evaluation of the creditworthiness of a bank’s borrower – a legal person on the basis of the size of the borrower and its branch specialization. It offers a complex scientific and methodical approach to the credit risks management in banks on the basis of an adequate system of procedures for the calculation of the risks’ scale and probabilistic assessment. It develops the approach designed for the management of credit risks in banks taking into the account the interest rate and currency risks, liquidity risk, as well as the risks of the shrinking customer base and the decline in the demand for credit resources.
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NILSSON, THERESE, and SARKIS MURADIAN. "Olika aktörers syn på bostadsrättsmarknadens utveckling : Med fokus på Göteborgs innerstad." Thesis, Högskolan i Borås, Institutionen Handels- och IT-högskolan, 2011. http://urn.kb.se/resolve?urn=urn:nbn:se:hb:diva-20759.

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Under de senaste åren har det i media spekulerats om en eventuell bubbla på den globala bostadsmarknaden. Den internationella finanskrisen blev slutet på en stadig bostadsprisutveckling i många länder. Under 2010 låg bostadspriserna på högre nivåer än innan finanskrisen och det har spekulerats att priserna kan komma att falla i betydande mängd. Frisell och Yazdi har kommit fram till att prisutvecklingen på den svenska bostadsmarknaden i stor utsträckning kan förklaras av två verkliga faktorer, högre disponibla inkomster och strukturellt lägre reala bolåneräntor.Vi har i denna uppsats studerat olika aktörers syn på prisutvecklingen av bostadsrättsmarknaden i Göteborgs innerstad i april/maj 2011, utifrån olika övergripande ekonomiska aspekter. Marknaden undersöks ur tre olika perspektiv, långivare, låntagare och en mäklare. Fokus har legat på bankernas kreditbedömningsprocess och potentiella köpares resonemang och förväntningar om framtiden. Syftet med uppsatsen är att ge läsaren en överblick och en djupare förståelse för det aktuella läget på bostadsrättsmarknaden i Göteborgs innerstad utifrån de olika perspektiven. Vi har främst antagit en kvalitativ metodansats då den största delen av empirin utgår från kvalitativa intervjuer med handläggare från SEB, Nordea, Swedbank och Handelsbanken samt en mäklare från mäklarföretaget Bjurfors. Dock har vi även antagit en kvantitativ ansats då intervjuerna med potentiella köpare gjordes i enkätform.De främsta slutsatserna vi har dragit av vår undersökning är att vid kreditbedömning så utgår bankerna från liknande grunder där fokus ligger på kundens återbetalningsförmåga. Ingen av de undersökta respondenterna verkar tro på ett större prisfall på bostadsrättsmarknaden i Göteborgs innerstad inom den närmaste framtiden. Det rådde lite delade meningar om övervärdering men överlag anser bankrespondenterna samt mäklaren att försäljningspriset speglar ett marknadspris på en fungerande marknad. Däremot ansåg många av de potentiella köparna att bostadsrätterna i Göteborgs innerstad var övervärderade och många trodde även att priserna skulle fortsätta öka. Sammanfattningsvis verkar det inte vara någon risk för en skadlig bostadsbubbla på marknaden i dagsläget, så länge sysselsättningen är bra, kundernas återbetalningsförmåga god och det är ett ”normalt” ränteläge.
Program: Civilekonomprogrammet
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Mattana, Elena. "Families, credit and banks." Doctoral thesis, Handelshögskolan i Stockholm, Institutionen för Nationalekonomi, 2013. http://urn.kb.se/resolve?urn=urn:nbn:se:hhs:diva-2130.

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This doctoral thesis consists of three essays: Flying the Nest: Intergenerational Strategic Interaction, Co-residence, and Social Mobility. Southern Europe is characterized by high levels of intergenerational earnings persistence and high levels of co-residence between parents and their offspring. In contrast, Northern Europe exhibits low levels of earnings persistence and of co-residence. This paper analyzes both theoretically and quantitatively the importance of strategic interactions inside the family over living arrangements in generating intergenerational earnings persistence. Student Aid, Academic Achievement, and Labor Market Behavior provides a framework for quantifying the impacts of implicit incentives in study aid schemes. The authors estimate a dynamic discrete choice model of simultaneous education and work decisions to quantify the effects of study aid on college attainment, academic achievement, and early labor market outcomes using Swedish data and exploiting the Swedish Study Aid reform of 2001. Bank Liquidity, Stock Market Participation, and Economic Growth reconciles the decreasing trend in the liquidity ratio of financial businesses with the evolution of the financial architecture of the U.S economy. The authors build a neoclassical growth model where competition between banks and financial markets causes the liquidity held by the financial system to decrease.

Diss. Stockholm : Handelshögskolan, 2013. Sammanfattning jämte 3 uppsatser.

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Morifi, D. Nape. "Liability of banks for unauthorised credit transfers." Diss., University of Pretoria, 2019. http://hdl.handle.net/2263/77419.

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Eguaoritseyemi, Okirika Temeoweikuro. "Investigation into credit risk management practices in Nigerian banks." Thesis, University of Buckingham, 2011. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.549719.

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Frail credit risk management practices have dragged financial intermediaries into financial crisis or bankruptcy if not well managed. The study seeks to appraise the intent to which Nigerian banks have meritoriously managed credit risk after the 2005 bank recapitalization exercise. It also seeks to establish other factors on why some banks to fail the 2009 stress test conducted by Central Bank of Nigeria. The study found that the failure to effectively manage credit risk as a result of increase capital inflow into the banking system and excessive lending contributed immensely to the 2009 banking crisis. The research also identified lax credit risk management practices as a major factor that caused the crisis. Furthermore, banks to develop and implement their credit I scoring models for assessing, monitoring and reviewing of credit portfolios and other credit granted.
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Wang, Yang. "Credit risk management in rural commercial banks in China." Thesis, Edinburgh Napier University, 2013. http://researchrepository.napier.ac.uk/Output/6659.

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Credit risk is one of the most general risks that exist in the financial market and a major risk faced by financial institutions. Credit risk management (CRM) is to identify, measure, monitor, and control risk arising from the possibility of default in loan repayments. The primary objective of CRM of rural commercial banks (RCBs) is to maintain risk within acceptable parameters and satisfy the regulatory requirements. CRM has long been the focus of governments, regulatory authorities and financial institutions. This thesis examines the importance of CRM for RCBs, which has been overlooked in the literature, and attempts to develop a CRM framework for RCBs. It has four specific research objectives: 1) to discuss the differences between RCBs and city based-commercial banks; 2) to examine the importance of CRM for RCBs and identify the approaches available for banks to manage credit risks; 3) to identify the key factors that have influenced the credit evaluation and assessment, as well as credit risk control in the context of China's RCBs; and 4) to propose a practicable CRM framework that suits the characteristics of Chinese RCBs. This study adopts qualitative analysis and case study approaches to identify key factors contributing to the failure of RCBs' customers, resulting in loan defaults and banks' credit risk. The quantitative-based CRM tools available for large financial institutions do not meet the requirements of RCBs because the main customers of RCBs are small and medium-sized enterprises (SMEs) and farming households and there is a lack of financial data and credit rating relating to these customers. In addition to normal risks faced by financial institutions, RCBs in China are also exposed to risks specifically to rural commercial banking business and in particular, farming-related loans and services. This study proposes a CRM framework for RCBs in China. The framework is based on the identification of business failures of RCBs' customers and factors contributing to the failures of SMEs and farming households. The framework is divided into five steps. The first step is to distinguish business failure and closure. The second step is to identify factors contributing to the failure of customers, which should be considered from environmental, operational, financial and guanxi aspects. The third step is to use PCA to identify principal factors. The fourth step is to design a credit risk analysis model with an analysis of these principal factors. The final step is to use the credit risk analysis model to manage credit risks of their portfolios and individual loans provided to SMEs and farming households. The CRM framework has been confirmed by practitioners through interviews conducted in the case bank. Interviews raise a number of issues relating to the development of a CRM model and assessment of credit risk of SMEs in China. The case study through an analysis of documents of the case bank reveals the importance of CRM and organisational structure in risk management and CRM. The case study presents evidence of lacking of practical methods in managing credit risk by RCBs in China. The proposed framework expects to address the problem. This study has made several contributions to the literature that studies CRM in financial institutions in general and RCBs in particular. This study critically identifies the current lack of studies specifically addressing the RCBs' CRM, and proposes a CRM framework for RCBs. The framework considers financial and non-financial variables to analyse SMEs and farming household for which financial information is very limited. Using nonfinancial variables along with financial variables as predictors of business failure significantly improves credit analysis quality and accuracy. Also, this study recognises guanxi as risk potentials affecting the business of SMEs and farming households and includes guanxi risks in the framework. The consideration of guanxi in credit risk analysis fits well with China's business environment.
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Books on the topic "Credit potential of banks"

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Social banking: Promise, performamce, and potential. New Delhi: Foundation Books, 2006.

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Berger, Allen N. Potential competitive effects of Basel II on banks in SME credit markets in the United States. Washington, D.C: Federal Reserve Board, 2004.

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Potential mixed messages: Is guidance from Washington being implemented by federal bank examiners? : field hearing before the Subcommittee on Financial Institutions and Consumer Credit of the Committee on Financial Services, U.S. House of Representatives, One Hundred Twelfth Congress, first session, August 16, 2011. Washington: U.S. G.P.O., 2012.

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Office, General Accounting. Farm Credit System: Potential impacts of FCB mergers on farmer and rancher borrowers : report to Congressional committees. Washington, D.C: The Office, 1994.

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Balamohandas, V. Rural banks and rural credit. New Delhi: Discovery Pub. House, 1991.

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Waterhouse, Roger. The educational potential of credit systems. Derby: TEXT Consortium, 1992.

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Money, credit & commerce. Fairfield, NJ: A.M. Kelley, Publishers, 1991.

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Khan, Muhammad Jameel. Flow of commercial banks agricultural credit. Lahore, Pakistan: Punjab Economic Research Institute, 1986.

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Bulgaria. Law on banks and credit activity. Edited by Tabakov Todor and Bŭlgarska tŭrgovsko-promishlena palata. Sofia: VEZNI Ltd., Business Information & Pub. Co. of the Bulgarian Chamber of Commerce, 1992.

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Özler, Sule. Have commercial banks ignored history? Washington, DC (1818 H St., NW, Washington 20433): International Economics Dept., World Bank, 1991.

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Book chapters on the topic "Credit potential of banks"

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Ghirelli, Corinna, Samuel Hurtado, Javier J. Pérez, and Alberto Urtasun. "New Data Sources for Central Banks." In Data Science for Economics and Finance, 169–94. Cham: Springer International Publishing, 2021. http://dx.doi.org/10.1007/978-3-030-66891-4_8.

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AbstractCentral banks use structured data (micro and macro) to monitor and forecast economic activity. Recent technological developments have unveiled the potential of exploiting new sources of data to enhance the economic and statistical analyses of central banks (CBs). These sources are typically more granular and available at a higher frequency than traditional ones and cover structured (e.g., credit card transactions) and unstructured (e.g., newspaper articles, social media posts, or Google Trends) sources. They pose significant challenges from the data management and storage and security and confidentiality points of view. This chapter discusses the advantages and the challenges that CBs face in using new sources of data to carry out their functions. In addition, it describes a few successful case studies in which new data sources have been incorporated by CBs to improve their economic and forecasting analyses.
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Crespi, Fabrizio. "Using Open-End Mutual Fund Resources to Finance SMEs: The Potential Market Share of ELTIFs." In Access to Bank Credit and SME Financing, 287–311. Cham: Springer International Publishing, 2016. http://dx.doi.org/10.1007/978-3-319-41363-1_11.

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Lo Cascio, Martino, and Mauro Aliano. "The Potential Evolution of the Supply of Credit to the Productive Chain: A Focus on Italy and the Regional Sardinian Economy." In Financial Crisis, Bank Behaviour and Credit Crunch, 157–77. Cham: Springer International Publishing, 2016. http://dx.doi.org/10.1007/978-3-319-17413-6_11.

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Appleyard, Lindsey. "Banks and Credit." In The Routledge Handbook of Financial Geography, 379–99. 1 Edition. | New York : Routledge, 2020. | Series: Routledge companions in business, management & marketing: Routledge, 2020. http://dx.doi.org/10.4324/9781351119061-21.

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Herger, Nils. "Money, Credit, and Banking." In Understanding Central Banks, 83–111. Cham: Springer International Publishing, 2019. http://dx.doi.org/10.1007/978-3-030-05162-4_5.

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Catturani, Ivana, and Maria Lucia Stefani. "Italian Credit Cooperative Banks." In Contributions to Economics, 149–67. Cham: Springer International Publishing, 2016. http://dx.doi.org/10.1007/978-3-319-28784-3_8.

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Tröge, Michael. "Equity ownership of banks." In Competition in Credit Markets, 51–59. Wiesbaden: Deutscher Universitätsverlag, 2001. http://dx.doi.org/10.1007/978-3-663-08310-8_4.

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Lindblom, Ted. "Credit Losses in Nordic Banks." In The Changing Face of European Banks and Securities Market, 174–90. London: Palgrave Macmillan UK, 1994. http://dx.doi.org/10.1007/978-1-349-23141-6_9.

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Donaldson, T. H. "Dealing with Other Banks." In Credit Control in Boom and Recession, 189–204. London: Palgrave Macmillan UK, 1994. http://dx.doi.org/10.1057/9780230390249_14.

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Iwanicz-Drozdowska, Małgorzata, Paweł Smaga, and Bartosz Witkowski. "Credit Activity of Foreign-Owned Banks in CESEE." In Foreign-Owned Banks, 65–88. Cham: Springer International Publishing, 2018. http://dx.doi.org/10.1007/978-3-030-01111-6_4.

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Conference papers on the topic "Credit potential of banks"

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Roeder, Jan. "Alternative Data for Credit Risk Management: An Analysis of the Current State of Research." In Digital Support from Crisis to Progressive Change. University of Maribor Press, 2021. http://dx.doi.org/10.18690/978-961-286-485-9.13.

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Determining credit risk is important for banks and nonbanks alike. For credit risk management, the heterogeneous data generated today can potentially complement the established data such as balance sheet ratios. It has not yet been clearly shown which alternative data sources, such as social media or satellite data, provide added value and how this value can be extracted effectively. This review provides an overview of the intersection between these areas and develops a research agenda. The analysis of the 29 identified papers shows that the use of financial news is analyzed most frequently. Social media has also been used to some extent. The use of other alternative data sets, such as geospatial data, has been analyzed infrequently. The empirical evidence suggests that alternative data can provide both explanatory and predictive benefits in credit risk management. Convergence in terms of analytical approaches and evaluation offers the potential to advance the field.
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Aseinov, Dastan. "Factors Affecting Cost Efficiency in the Banking Sector of Kyrgyzstan." In International Conference on Eurasian Economies. Eurasian Economists Association, 2017. http://dx.doi.org/10.36880/c08.01907.

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Instabilities in the banking sector have had an adverse effect on the economy as a whole, since the largest share in the financial system and financial intermediation in Kyrgyzstan have been captured by banking sector. Economic efficiency in banking can be viewed as a source of financial stability of banking system. Economic efficiency of the banking is more important challenge not only for shareholders and managers of banks, and also for regulation and supervision authorities, and public and potential investors. The aim of this study is to examine factors affecting the banking cost efficiency for Kyrgyz banks. It is also important to choose the appropriate approach in measurement of banking cost efficiency, since there are many different methods. In this study preferred stochastic frontier approach which assumes random error term which captures sampling, measurement and specification errors. We adopted stochastic cost frontier model proposed by Battese ve Coelli (1995) which also allow to examine investigate the impact of variables on efficiency. We used unbalanced panel data set captured 17-23 Kyrgyz commercial banks for period of 2000-2013. Obtained results suggest that capitalization, foreign ownership, credit risk, liquidity risk and currency risk have most influence on cost efficiency scores of banks calculated averagely at level of 0,766. Overall results indicate that domestic banks more cost efficient than domestic private and foreign banks. Average cost efficiency scores of domestic banks, foreign and separately public banks are 0,848; 0,649 and 0,875, respectively.
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Parne, Prudhvi. "Cloud Computing Strategy and Impact in Banking/Financial Services." In 5th International Conference on Computer Science and Information Technology (COMIT 2021). Academy and Industry Research Collaboration Center (AIRCC), 2021. http://dx.doi.org/10.5121/csit.2021.111704.

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With recent advances in technology, internet has drastically changed the computing world from the concept of parallel computing to distributed computing to grid computing and now to cloud computing. The evolution of cloud computing over the past few years is potentially one of the major advances in the history of computing. Unfortunately, many banks are still hesitant to adopt cloud technology. New technologies such as cloud and AI will have the biggest impacts on the banking industry. For banks and credit unions wanting to achieve greater business agility, cloud technology enables organizations to respond instantly to changing market conditions, leveraging data and applied analytics to achieve customer experience and operational productivity benefits. As a result, cloud computing comes in to provide a solution to such challenges making banking a reliable and trustworthy service. This paper aims at cloud computing strategy, impact in banking and financial institutions and discusses the significant reliance of cloud computing.
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Ryazanova, Yu Yu, and E. B. Solokhina. "Managing banks' credit risk." In Financial Economics: Topical Development Issues : collection of works of the III International Student Scientific Conference. RIC HGUEP, 2020. http://dx.doi.org/10.38161/978-5-7823-0738-7-2020-152-155.

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Yun, Wang, and Yang Xiaoguang. "Banks-firms credit network in China." In 2017 36th Chinese Control Conference (CCC). IEEE, 2017. http://dx.doi.org/10.23919/chicc.2017.8029161.

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Zhou, Qifeng, Chengde Lin, and Wei Yang. "Multi-Classifier Combination for Banks Credit Risk Assessment." In 2006 1ST IEEE Conference on Industrial Electronics and Applications. IEEE, 2006. http://dx.doi.org/10.1109/iciea.2006.257319.

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DangGui Huang. "Credit & Risk Management in Banks Today." In IEEE International Conference on e-Business Engineering (ICEBE'05). IEEE, 2005. http://dx.doi.org/10.1109/icebe.2005.45.

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HAN, Jin-Mian, and Bin JIA. "Credit Risk Management of Commercial Banks in China." In 2018 5th International Conference on Management Science and Management Innovation (MSMI 2018). Paris, France: Atlantis Press, 2018. http://dx.doi.org/10.2991/msmi-18.2018.18.

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Jevtić, Dalibor, Tamara Vesić, and Lidija Barjaktarović. "Do Serbian Banks Make Optimal Corporate Credit Decisions?" In FINIZ 2019. Belgrade, Serbia: Singidunum University, 2019. http://dx.doi.org/10.15308/finiz-2019-22-26.

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Yuanyuan, Li. "Research on Personal Credit Evaluation System of Commercial Banks." In First International Workshop on Knowledge Discovery and Data Mining (WKDD 2008). IEEE, 2008. http://dx.doi.org/10.1109/wkdd.2008.147.

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Reports on the topic "Credit potential of banks"

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Jordà, Òscar, Moritz HP Schularick, and Alan Taylor. Sovereigns versus Banks: Credit, Crises, and Consequences. Cambridge, MA: National Bureau of Economic Research, October 2013. http://dx.doi.org/10.3386/w19506.

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Emmons, William R., and Frank A. Schmid. Banks VS. Credit Unions: Dynamic Competition in Local Markets. Federal Reserve Bank of St. Louis, 2000. http://dx.doi.org/10.20955/wp.2000.006.

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Cabrera-Rodríguez, Wilmar Alexander, Javier Gutiérrez-Rueda, and Juan Carlos Mendoza-Gutiérrez. Credit risk stress testing : an exercise for colombian banks. Bogotá, Colombia: Banco de la República, September 2012. http://dx.doi.org/10.32468/tef.73.

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Minton, Bernadette, René Stulz, and Rohan Williamson. How Much Do Banks Use Credit Derivatives to Reduce Risk? Cambridge, MA: National Bureau of Economic Research, August 2005. http://dx.doi.org/10.3386/w11579.

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Agarwal, Sumit, Souphala Chomsisengphet, Neale Mahoney, and Johannes Stroebel. Do Banks Pass Through Credit Expansions to Consumers Who Want to Borrow? Cambridge, MA: National Bureau of Economic Research, September 2015. http://dx.doi.org/10.3386/w21567.

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6

Stiglitz, Joseph, and Andrew Weiss. Banks as Social Accountants and Screening Devices for the Allocation of Credit. Cambridge, MA: National Bureau of Economic Research, September 1988. http://dx.doi.org/10.3386/w2710.

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7

Morales, Paola, Daniel Osorio-Rodíguez, Juan S. Lemus-Esquivel, and Miguel Sarmiento. The internationalization of domestic banks and the credit channel of monetary policy. Banco de la República, November 2021. http://dx.doi.org/10.32468/be.1181.

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Abstract:
How does the expansion of domestic banks in international markets affect the bank lending channel of monetary policy? Using bank-firm loan-level data, we find that loan growth and loan rates from international banks respond less to monetary policy changes than domestic banks and that internationalization partially mitigates the risk-taking channel of monetary policy. Banks with a large international presence tend to tolerate more their credit risk exposition relative to domestic banks. Moreover, international banks tend to rely more on foreign funding when policy rates change, allowing them to insulate better the monetary policy changes from their credit supply than domestic banks. This result is consistent with the predictions of the internal capital markets hypothesis. We also show that macroprudential FX regulation reduces banks with high FX exposition access to foreign funding, ultimately contributing to monetary policy transmission. Overall, our results suggest that the internationalization of banks lowers the potency of the bank lending channel. Furthermore, it diminishes the risk-taking channel of monetary policy within the limit established by macroprudential FX regulations.
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8

Finck, P., T. Taiwo, and J. Gulliford. Potential sources of experimental validation for burnup credit. Office of Scientific and Technical Information (OSTI), May 2000. http://dx.doi.org/10.2172/757506.

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9

Aparicio, Gabriela, María Paula Gerardino, and Oscar A. Mitnik. Measuring the Effects of Productive Credit through Public Development Banks in Rural Mexico. Inter-American Development Bank, October 2017. http://dx.doi.org/10.18235/0000832.

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10

Klein, Michael, Joe Peek, and Eric Rosengren. Troubled Banks, Impaired Foreign Direct Investment: The Role of Relative Access to Credit. Cambridge, MA: National Bureau of Economic Research, August 2000. http://dx.doi.org/10.3386/w7845.

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