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Journal articles on the topic 'Credit risk insurance'

Author: Grafiati

Published: 28 May 2022

Last updated: 30 July 2025

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1

Sokolovska, Olena. "Trade Credit Insurance and Asymmetric Information Problem." Scientific Annals of Economics and Business 64, no. 1 (2017): 123–37. http://dx.doi.org/10.1515/saeb-2017-0008.

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Abstract The presence of different risk factors in international trade gives evidence of the necessity of support in gaps that may affect exporters’ activity. To maximize the trade volumes and in the same time to minimize the exporters’ risks the stakeholders use trade credit insurance. The paper provides analysis of conceptual background of the trade credit insurance in the world. We analyzed briefly the problems, arising in insurance markets due to asymmetric information, such as adverse selection and moral hazard. Also we discuss the main stages of development of trade credit insurance in c

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2

Sokolovska, Olena. "Trade Credit Insurance and Asymmetric Information Problem." Annals of the Alexandru Ioan Cuza University - Economics 64, no. 1 (2017): 123–37. http://dx.doi.org/10.1515/aicue-2017-0008.

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Abstract The presence of different risk factors in international trade gives evidence of the necessity of support in gaps that may affect exporters’ activity. To maximize the trade volumes and in the same time to minimize the exporters’ risks the stakeholders use trade credit insurance. The paper provides analysis of conceptual background of the trade credit insurance in the world. We analyzed briefly the problems, arising in insurance markets due to asymmetric information, such as adverse selection and moral hazard. Also we discuss the main stages of development of trade credit insurance in c

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3

M., Moses Antony Rajendran. "Credit Risk Management and Insurance Practices - An Overview." Journal of Research in Business, Economics and Management 2, no. 2 (2015): 89–96. https://doi.org/10.5281/zenodo.3965327.

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In this article it mentioned about credit risk, explosion of credit risk, credit risk raisers, inclusion of credit risks, default probability of credit risks, Evaluation Factors Credit Risks, Altman’s Z Score of credit scoring, Credit Rating, Functions of Credit Ratings, Benefits of credit instruments, Disadvantages of credit rating, Types of credit rating, Sovereign Vs. Corporate Credit Rating, Credit Risk Management & Techniques and Principles for the Assessment of Banks’ Management of Credit Risk.

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4

Tyas Anggorowati, Cahyaning, and Willem A. Makaliwe. "Credit Risk Influence on Insurance Performance During Credit Restructuring Policy." International Journal of Research and Review 12, no. 1 (2025): 427–41. https://doi.org/10.52403/ijrr.20250151.

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This study analyzes the relationship between banking credit risk and general insurance performance during the banking credit restructuring policy period in Indonesia from March 2020 to March 2024. Credit, Nonperforming loans (NPL), and credit interest rates variables are used as proxies for banking risk. General insurance performance is proxied by credit premium, credit claim, and profit before tax. Through multiple regression analysis using Ordinary Least Squares (OLS), this study shows that there is a significant effect of banking risk on general insurance performance. The relationship betwe

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5

Mamadiyarov, Zokir, and O‘tkirjon Tajimatov. "INSURANCE OF COMMERCIAL BANKS' CREDIT FACILITIES AND CREDIT RISK MANAGEMENT." European Journal of Artificial Intelligence and Digital Economy 1, no. 9 (2024): 79–85. https://doi.org/10.61796/jaide.v1i9.956.

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The practice of insurance of credit facilities of commercial banks is an important means of credit risk management in banking activities. Through insurance, banks can protect their loan portfolio from risks and reduce losses related to customers who face default or other debt situations. Development of diversified insurance products, automation of processes by introduction of technological solutions and use of international experiences are considered important for improvement of insurance practice. These approaches are of great importance in reducing credit risks and making banks more efficien

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Sevastyanenko, Olena, and Anna Hervasovska. "FEATURES OF CREDIT RISK INSURANCE." Київський юридичний журнал, no. 5 (2024): 68–74. http://dx.doi.org/10.32782/klj-2024-5.09.

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7

Rogoziński, Dawid. "Securing Bank Claims by means of Credit Risk Insurance versus Insurance Recourse." Prawo Asekuracyjne 3, no. 100 (2019): 47–61. http://dx.doi.org/10.5604/01.3001.0013.5733.

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This article examines the specific nature of the insurance of risks directly related to lending. The dynamic development of cooperation between banking and insurance industries has resulted not only in a greater popularity of the coverages already existing on the market, but also in new types of insurance products directly linked to banking operations and covering risks that were traditionally non-transferable to insurance undertakings. Further comments refer to the functions of insurance recourse in relations with banks. However, the main focus of this study is the confrontation of results of

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8

Schmaltz, Christian, and Periklis Thivaios. "Are Credit Default Swaps Credit Default Insurances?" Journal of Applied Business Research (JABR) 30, no. 6 (2014): 1819. http://dx.doi.org/10.19030/jabr.v30i6.8900.

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No, they are not. Although they exhibit similar cash flow patterns (economic perspective) this article argues that from a legal, accounting and regulatory perspective credit default swaps (CDS) are not considered to be an insurance contract. The protection buyer of a CDS is eligible to obtain the compensation without suffering any loss (and potentially realizing a gain) whereas insurance policies only pay out to compensate a loss (and not potentially realizing a gain). This disconnect between protection and exposure is the source for potential over-coverage. Furthermore, the concentrated set o

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Artzner, Philippe, and Freddy Delbaen. "Credit Risk and Prepayment Option." ASTIN Bulletin 22, no. 1 (1992): 81–96. http://dx.doi.org/10.2143/ast.22.1.2005128.

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AbstractThe paper examines a type of insurance contract for which secondary markets do exist: default risk insurance is implicit in corporate bonds and other risky debts. It applies risk neutral martingale measure pricing to evaluate the option for a borrower with default risk, to prepay a fixed rate loan. A simple “matchbox” example is presented with a spreadsheet treatment.

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Gohar Voskanyan. "ANALYSIS OF THE CURRENT SITUATION OF INSURANCE MARKET AND CREDIT INSURANCE IN RA." World Science, no. 11(39) (November 30, 2018): 46–49. http://dx.doi.org/10.31435/rsglobal_ws/30112018/6234.

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   The Armenian insurance market has undergone major changes in the transition to a market economy. Growth tendencies were observed in almost all insurance indicators. At present, the RA Central Bank is the body overseeing the financial system of RA. The positive shifts in the insurance market are partially conditioned by its activities. The article presents the main directions of the activities of insurance companies in RA. Insurance premiums and insurance indemnities have undergone comparative analysis. In a number of countries the insurance is one of the most important pre

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Ndegwa, Michael K., Apurba Shee, Calum G. Turvey, and Liangzhi You. "Uptake of insurance-embedded credit in presence of credit rationing: evidence from a randomized controlled trial in Kenya." Agricultural Finance Review 80, no. 5 (2020): 745–66. http://dx.doi.org/10.1108/afr-10-2019-0116.

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PurposeDrought-related climate risk and access to credit are among the major risks to agricultural productivity for smallholder farmers in Kenya. Farmers are usually credit-constrained due to either involuntary quantity rationing or voluntary risk rationing. By exploiting randomized distribution of weather risk-contingent credit (RCC) and traditional credit, the authors estimate the causal effect of bundling weather index insurance to credit on uptake of agricultural credits among rural smallholders in Eastern Kenya. Further, the authors assess farmers' credit rationing, its determinants and e

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Wong, Willib. "Factors Influencing Credit Risk and Insurance Risk in General Insurance of Indonesia : Technical Reserve Ratio and Reinsurance Ratio (Financial Management Literature Review)." Dinasti International Journal of Management Science 4, no. 2 (2022): 195–208. http://dx.doi.org/10.31933/dijms.v4i2.1492.

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This article is a Literature Review to see whether there is an effect of the Technical Reserve ratio and the Reinsurance ratio on credit risk and insurance risk in General Insurance in Indonesia. The purpose of this scientific article is to build a causality research hypothesis between variables so that it can be used for further research. The topic of discussion is the area of financial management science. The method of writing this Literature Review article is Library Research with sources of books, journals and research articles contained in online media such as Google Scholar, Mendeley

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Chen, Fang, Xuanjuan Chen, Zhenzhen Sun, Tong Yu, and Ming Zhong. "Systemic Risk, Financial Crisis, and Credit Risk Insurance." Financial Review 48, no. 3 (2013): 417–42. http://dx.doi.org/10.1111/fire.12009.

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Karlan, Dean, Robert Osei, Isaac Osei-Akoto, and Christopher Udry. "Agricultural Decisions after Relaxing Credit and Risk Constraints *." Quarterly Journal of Economics 129, no. 2 (2014): 597–652. http://dx.doi.org/10.1093/qje/qju002.

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Abstract The investment decisions of small-scale farmers in developing countries are conditioned by their financial environment. Binding credit market constraints and incomplete insurance can limit investment in activities with high expected profits. We conducted several experiments in northern Ghana in which farmers were randomly assigned to receive cash grants, grants of or opportunities to purchase rainfall index insurance, or a combination of the two. Demand for index insurance is strong, and insurance leads to significantly larger agricultural investment and riskier production choices in

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15

Jayaweera, Asha, Amiya Bhaumik, and Chatura Liyanage. "Revitalising Export Orientated SMEs of Sri Lanka with Trade Credit Insurance." International Journal on Recent Trends in Business and Tourism 08, no. 03 (2024): 47–57. http://dx.doi.org/10.31674/ijrtbt.2024.v08i03.004.

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Financial losses due to unsettled receivables from commercial debtors, which expose them to enhanced credit risk, pose a serious challenge to the profitability and expansion of export-orientated small and medium enterprises (SMEs) the world over. Trade credit insurance is a specialised insurance product that aims to mitigate credit risk by protecting the account receivables of businesses involved in international trade. However, the adoption of trade credit insurance amongst export-orientated SMES remains strikingly low. The purpose of this paper was to examine the effectiveness of the use of

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Evanti Andriani, Dwi, and Hardian Iskandar. "Penyelesaian Kredit dari Debitur Yang Meninggal Dunia Dengan Klaim Asuransi Jiwa." UNES Law Review 6, no. 2 (2024): 6981–89. http://dx.doi.org/10.31933/unesrev.v6i2.1585.

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Collateral and insurance agreements are usually included with credit agreements. Banks can use this insurance agreement to transfer risk, especially life insurance if the debtor dies. If the debtor dies before paying off the remaining credit, the credit can also fall to his heirs. The purpose of this article is to study the legal consequences of a Bank Credit Agreement if the Debtor Dies and the Insurance Party's responsibilities regarding the Bank Credit Agreement if the Debtor Dies. This normative research uses a statutory and conceptual approach. The research results show that if the debtor

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17

Bi, Keran, Zheng Hua, Qinwen Shi, and Yu Zhu. "Analysis on Credit Risk Assessment for Accounts Receivable Supply Chain Financing Based on Credit Insurance." E3S Web of Conferences 275 (2021): 01065. http://dx.doi.org/10.1051/e3sconf/202127501065.

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This paper studies the model of accounts receivable supply chain financing based on credit insurance from the perspective of banks. First of all, the paper analyzes two different financing modes of the innovative model - the pledge financing mode and the factoring financing mode. Secondly, the paper explains the sources of credit risks for accounts receivable supply chain financing under credit insurance, and the necessity of using credit insurance. The sources of credit risks mainly include: the enterprises’ comprehensive strength under systemic and non-systemic risks, status of accounts rece

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18

Liu, Ming, Jie Zhu, Yuanchao Bian, and Liping Chen. "Comprehensive Credit Risk Management of Policy Export Credit Insurance Institutions." Journal of Accounting, Business and Finance Research 4, no. 2 (2018): 66–73. http://dx.doi.org/10.20448/2002.42.66.73.

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LIU, GAO. "Municipal Bond Insurance Premium, Credit Rating, and Underlying Credit Risk." Public Budgeting & Finance 32, no. 1 (2012): 128–56. http://dx.doi.org/10.1111/j.1540-5850.2011.01005.x.

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20

Taylor, Greg. "The Incidence of Risk under Credit Insurance." ASTIN Bulletin 23, no. 2 (1993): 287–99. http://dx.doi.org/10.2143/ast.23.2.2005096.

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AbstractThe incidence of risk under a credit insurance policy depends on the original term of the policy and the policy duration at which the incidence of risk is considered. Section 3 of the paper describes the procedure used to fit a bivariate function to this incidence. Section 4 gives the numerical detail of this model. Section 5 makes a comparison of the model with the data from which it was developed. Section 6 adds some general comments.

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21

Lai, Van Son, and Issouf Soumaré. "Risk-Based Capital and Credit Insurance Portfolios." Financial Markets, Institutions & Instruments 19, no. 1 (2010): 21–45. http://dx.doi.org/10.1111/j.1468-0416.2009.00153.x.

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22

Ndwiga, Matabel Camila, Vincent Nyagilo, and Charles Roche. "Credit Management Procedures and the Financial Performance of Insurance Companies Listed in Nairobi Securities Exchange, Kenya." International Journal of Finance and Accounting 10, no. 2 (2025): 1–21. https://doi.org/10.47604/ijfa.3313.

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Purpose: The aim of the study was to investigate credit management procedures and the financial performance of insurance companies listed in Nairobi Securities Exchange, Kenya Methodology: The study involved secondary information in a graphic report plan. Five years of board information will be utilized in the review (2017-2021). Each of the six of the insurance companies enlisted on the NSE made up the objective market. An information assortment network was utilized to gather optional information. Information investigation was performed utilizing SPSS form 25 to deliver both distinct and infe

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23

Eboli, Mario, and Andrea Toto. "The Insurance Value of Trade Credit." International Journal of Economics and Finance 11, no. 7 (2019): 87. http://dx.doi.org/10.5539/ijef.v11n7p87.

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The extensive use of trade credit in all manufacturing sectors, despite its high cost, is an apparent puzzle that economists explain in terms of asymmetric information problems affecting financial markets. The financial constraints arising from credit rationing and limited access to stock markets suffice to induce firms to resort to trade credit as a supplemental source of funding. Nonetheless, empirical evidence shows that also large and liquid firms facing no binding financial constraints use substantial amounts of trade credit. We address this issue by modelling the financial policy of a fi

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Purnama Wati, Ni Putu, Ni Luh Made Mahendrawati, and Desak Gde Dwi Arini. "Tanggung Jawab Pihak Asuransi Terhadap Perjanjian Kredit Bank Dalam Hal Debitur Meninggal Dunia." Jurnal Konstruksi Hukum 2, no. 1 (2021): 196–201. http://dx.doi.org/10.22225/jkh.2.1.2996.196-201.

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Credit agreements are usually accompanied by a collateral agreement and an insurance agreement. This insurance agreement is a means of transferring risk for the bank, especially life insurance in the event of a debtor's death, besides credit can also fall to the heirs if the debtor dies before paying off the remaining credit. This study aims to analyze the legal consequences of the Bank's Credit Agreement in the event that the Debtor dies and to find out the responsibility of the Insurance Party for the Bank's Credit Agreement in the event the Debtor dies. This study uses a normative research

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Marr, Ana, Anne Winkel, Marcel van Asseldonk, Robert Lensink, and Erwin Bulte. "Adoption and impact of index-insurance and credit for smallholder farmers in developing countries." Agricultural Finance Review 76, no. 1 (2016): 94–118. http://dx.doi.org/10.1108/afr-11-2015-0050.

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Purpose – The purpose of this paper is to review the most recent scientific literature on the determinants explaining the demand for index-insurance, the impact of index-insurance and the existing links between insurance and credit. In this meta-analysis, the authors identify key discoveries on the potential of index-insurance in enhancing credit supply for smallholders and thus farm productivity. Design/methodology/approach – Following a systematic literature search in Scopus and Web of Science, relevant empirical articles were identified by using the following criteria search algorithm: “ins

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Lezgovko, Aleksandra, and Andrej Jakovlev. "The Evaluation of Trade Credit Insurance in Lithuanian Business Market as a Credit Risk Management Tool." Economics and Culture 14, no. 1 (2017): 5–20. http://dx.doi.org/10.1515/jec-2017-0001.

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AbstractIn today’s trade, the vast majority of commercial transactions in both domestic and international trade are concluded by applying trade credit terms. The aim of this article is to analyse the trade credit insurance and, according to the methodology, to evaluate it as a credit risk management tool in the context of Lithuanian business market. The authors have proposed a methodology that combines theoretical and practical research methods. First of all, with assistance of qualitative analysis, the alternative external credit risk management tools were examined. Such analysis allows not o

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Lindset, Snorre, and Svein-Arne Persson. "Continuous Monitoring: Does Credit Risk Vanish?" ASTIN Bulletin 39, no. 2 (2009): 577–89. http://dx.doi.org/10.2143/ast.39.2.2044649.

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AbstractWe present a model for pricing credit risk protection for a limited liability non-life insurance company. The protection is typically provided by a guaranty fund. In the case of continuous monitoring, i.e., where the market values of the company's assets and liabilities are continuously observable, and where the market values of assets and liabilities follow continuous processes, regulators can liquidate the insurance company at the instant the market value of its assets equals the market value of its liabilities, implying that the credit protection is worthless. When jumps are include

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Đekić, Marija, and Vladimir Ristanović. "Insurance as a loan agreement for managing risk in corporate lending." Trendovi u poslovanju 9, no. 1 (2021): 84–93. http://dx.doi.org/10.5937/trendpos2101084d.

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Credit risk management is one of the most important banking operations, both in developed and developing countries. In addition to numerous methods and techniques, banks decide to conclude special credit agreements when granting loans to economic entities. The special provisions of such an agreement provide additional assurance to the lender that it will not incur losses when borrowing funds. In these loan agreements, insurance plays a significant role, whether it is corporate or bank borrowing. In this paper, the subject of consideration is the role of insurance as a loan agreement in corpora

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Devia Astry Khairani and Aqwa Naser Daulay. "Penerapan Asuransi dalam Pembiayaan Kredit Pemilihan Rumah (KPR) FLPP pada PT Bank Sumut Syariah Kantor Cabang Pembantu Perdagangan." MIMBAR ADMINISTRASI FISIP UNTAG Semarang 21, no. 1 (2024): 229–40. https://doi.org/10.56444/mia.v21i1.1527.

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This article discusses the application of insurance in Financing Credit for Affordable Housing Ownership (KPR FLPP) by PT. Bank Sumut Syariah Branch Office of Trade Auxiliary. The objectives of this study are to identify the role of insurance in mitigating credit risks in FLPP KPR financing and to evaluate its effectiveness in the context of Islamic banking services. The method employed involves primary data collection through interviews with bank officials and insurance policyholders, as well as secondary data analysis of historical insurance claim data and credit performance. The research fi

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Khoruzhiy, L. I., G. K. Dzhancharova, K. A. Lebedev, K. A. Dzhikiya, and А. A. Romanova. "Minimizing the consequences of credit risks for agricultural producers." Buhuchet v sel'skom hozjajstve (Accounting in Agriculture), no. 4 (April 18, 2024): 222–33. http://dx.doi.org/10.33920/sel-11-2404-01.

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The article presents the results related to minimizing the consequences of risks for agricultural producers. It is established that the credit risk of agricultural enterprises should be considered as the probability of loss not only of mortgaged property, but also of future income. Its components are: systemic risks — arising in the external environment of participants in the credit process; collateral risks — related to the probable loss of mortgaged property or a decrease in its value; production risks — leading to losses in production activities. It is proved that one of the means of reduci

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Wang, Kai, Ruiqing Zhao, and Jin Peng. "Trade credit contracting under asymmetric credit default risk: Screening, checking or insurance." European Journal of Operational Research 266, no. 2 (2018): 554–68. http://dx.doi.org/10.1016/j.ejor.2017.10.004.

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Kim, Kyung-Chul. "A Study on Credit Risk Assessment of SME Plus Export Credit Insurance." Korea Trade Review 48, no. 6 (2023): 21–37. http://dx.doi.org/10.22659/ktra.2023.48.6.21.

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MATSIEVYCH, Tetiana. "MONITORING AND CREDIT INSURANCE ENVIRONMENTAL MEASURES." WORLD OF FINANCE, no. 1(50) (2017): 115–25. http://dx.doi.org/10.35774/sf2017.01.115.

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Introduction. Development bank loans for environmental projects in Ukraine must be based on understanding and evaluating the increased risks that they objectively characteristic that may be attributed to unusual risks. An important element of financial security implementation of environmental policy should be the insurance of environmental risks. Environmental situation requires an expansion of traditional as well as search and introduction of new types of insurance, including insurance operating environmental projects from the risk of failure to achieve certain environmental effects. Purpose.

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Pelka, Niels, Oliver Musshoff, and Ron Weber. "Does weather matter? How rainfall affects credit risk in agricultural microfinance." Agricultural Finance Review 75, no. 2 (2015): 194–212. http://dx.doi.org/10.1108/afr-10-2014-0030.

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Purpose – Small-scale farmers in developing countries are undersupplied with capital. Although microfinance institutions (MFIs) have become well established in developing countries, they have not significantly extended their services to farmers. It is generally believed that this is partly due to the riskiness of lending to farmers. The purpose of this paper is to combine original data from a Madagascan MFI with weather data to estimate the effect of rainfall on the repayment performance of loans granted to farmers. Design/methodology/approach – The basis of the empirical analysis is a unique

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Didin Supyanudin and Sudjono. "The Impact of Financial Risk on Insurance Company Performance with Hedge Accounting as a Moderating Variable." Indonesian Journal of Business Analytics 4, no. 4 (2024): 1432–49. http://dx.doi.org/10.55927/ijba.v4i4.10729.

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The public's confidence in insurance companies has been damaged by state-owned insurance companies' inability to pay claims. The purpose of this research is to investigate how financial risk affects business performance and how hedge accounting mitigates that influence. This study uses a quantitative approach. The analysis makes use of secondary data from 2019 to 2022 from insurance firms' annual reports. Both moderated regression analysis (MRA) and multiple linear regression analysis are used in this investigation. The findings show that return on assets (ROA) is significantly and negatively

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Ranyard, Rob, Lisa Hinkley, and Janis Williamson. "Risk Management in Consumers' Credit Decision Making." Zeitschrift für Sozialpsychologie 32, no. 3 (2001): 152–61. http://dx.doi.org/10.1024//0044-3514.32.3.152.

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Summary: A study is described of the risk management strategies employed by consumers who have made a purchase by credit. Realistic scenarios involving the purchase of consumer durables were used and adults with a variety of occupations and a range of experience of credit participated (N = 96). They were presented with minimal descriptions of alternative credit offers and an option to buy insurance to cover repayment difficulties due to job loss or illness. Participants could request any information required while deciding, and afterwards they summarized how they had reached their decision. Ve

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Rahma Selina Yustika Yanti and Arief Suryono. "Analisis Yuridis Tanggung Jawab Perusahaan Asuransi Terhadap Asuransi Jiwa Kredit." Terang : Jurnal Kajian Ilmu Sosial, Politik dan Hukum 1, no. 1 (2024): 192–203. http://dx.doi.org/10.62383/terang.v1i1.83.

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The aim of this research is to investigate the regulations governing the position of the insured in credit life insurance and the responsibilities of insurance companies, as delineated in Decision Number 3079K/Pdt/2019. Credit life insurance serves as a mechanism for banks to mitigate the risk of debtor default in debt repayment resulting from the death of the debtor. It entails a collaborative effort between banks and insurance companies aimed at facilitating credit repayment to the bank in the event of the demise of the credit facility user (debtor). This research adopts a normative legal ap

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Singh, Dr Kriti Bhaswar. "Credit Risk Management in Royal Insurance Corporation of Bhutan Limited (RICBL) and Bhutan Insurance Limited (BIL): Comparative study." GIS Business 14, no. 6 (2019): 486–99. http://dx.doi.org/10.26643/gis.v14i6.14023.

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Credit risk is one of the main risks that affects banking as well as non-banking institution in an economy. The present research work aims to evaluate credit risk management practices of Royal Insurance Corporation of Bhutan Limited and Bhutan insurance limited, currently only two insurance companies in Bhutan. Primary data using structured questionnaire is collected. Analysis of the data reveals the key area which needs appraisal and modification to improve organization’s asset quality. Among ten variables identified as obstacle in CRM tested, majority of obstacle in CRM is due to lack of ris

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Joseph, John Magal. "The Impacts of Credits Risk Management on Profitability of Rural Savings and Credits Cooperative Societies." International Journal of Management Sciences and Business Research 2, no. 12 (2013): 01–16. https://doi.org/10.5281/zenodo.3441849.

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This study was conducted from 37 rural SACCOS in Morogoro, Dodoma and Kilimanjaro regions in Tanzania to assess the influence of credits risk management on rural SACCOS’ profitability. The study applied univariate regression model where ROA and ROE were the proxies for profitability and Non Performing Loans ratio (NPL) was used as the proxy for credit risks management. This study found out that 70% of rural SACCOS were making loss because they lacked effective credits risk mitigation techniques. The findings also noted the maximum and average loss of 315 and 5 million Tshs respectively.

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Bliska, Adriano, Flávia Bliska, Celso Vegro, Patrícia Turco, and Antonio Bliska Júnior. "Tomada de crédito e busca por proteção da produção na cafeicultura brasileira." Revista de Economia Agrícola 70 (2023): 1–21. http://dx.doi.org/10.56468/1983-7747.erea0621.2023.

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Due to the importance of rural credit in stimulating investments, funding and marketing in coffee production, and the strategic relevance of rural insurance to investment protection and business competitiveness, this study analyzes the percentages of use of credit and insurance, in relation to the levels of management of companies, size and adoption of agricultural certification, aiming to support the decisionmaking of institutions linked to the provision of services or establishment of incentive programs and access to credit and rural insurance. Information on 1,136 production units in the ma

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Dermine, Jean, and Fatma Lajeri. "Credit risk and the deposit insurance premium: a note." Journal of Economics and Business 53, no. 5 (2001): 497–508. http://dx.doi.org/10.1016/s0148-6195(01)00045-5.

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42

Lu, Zehua. "Research on Risk Prevention of Export Credit Insurance in China's Foreign Trade." Frontiers in Business, Economics and Management 6, no. 3 (2022): 110–12. http://dx.doi.org/10.54097/fbem.v6i3.3326.

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Since the reform and opening up, export trade has made great contribution to China ' s economic growth. Facing the complex and changeable international situation, how to continue to play the role of export in promoting China 's economic growth. By analyzing the risks faced by China 's export trade and exploring the mechanism of export credit insurance, this paper draws the following conclusions: export credit insurance provides help to export enterprises in terms of loss compensation, financing support and risk management, reduces the risks faced in foreign trade, and then effectively stimulat

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Mas Badia, María Dolores. "Credit-Based Insurance Scores: some Observations in the Light of the European General Data Protection Regulation." Cuadernos Europeos de Deusto, no. 62 (April 2, 2020): 155–86. http://dx.doi.org/10.18543/ced-62-2020pp155-186.

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Despite the differences between credit risk and insurance risk, in many countries large insurance companies include credit history amongst the information to be taken into account when assigning consumers to risk pools and deciding whether or not to offer them an auto or homeowner insurance policy, or to determine the premium that they should pay. In this study, I will try to establish some conclusions concerning the requirements and limits that the use of credit history data by insurers in the European Union should be subject to. In order to do this, I shall focus my attention primarily on Re

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Morduch, Jonathan. "Income Smoothing and Consumption Smoothing." Journal of Economic Perspectives 9, no. 3 (1995): 103–14. http://dx.doi.org/10.1257/jep.9.3.103.

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One way that risk-averse households protect consumption levels is to borrow and use insurance mechanisms. Another way, common in low-income economies, is to diversify economic activities and make conservative production and employment choices. Households thus tend toward limiting exposure only to shocks that can be handled with available credit and insurance. Typically, both types of mechanisms are studied independently but much more can be learned by studying them together. First, we obtain a more complete picture of risks, costs, and insurance possibilities. Second, it opens the way to consi

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Harliyanto, Rois, and Jawade Hafidz. "Application Of The Principles Of Insurance Law In Fire Insurance Agreements On Credit Guarantees Attached Object Security Rights." Jurnal Akta 6, no. 3 (2019): 497. http://dx.doi.org/10.30659/akta.v6i3.5034.

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The purpose of this study were 1) to know application of the principles of insurance law in fire insurance agreements on credit guarantees attached object security rights, 2) To know the weaknesses in the application of the principles of insurance law in fire insurance agreements on credit guarantees attached object security rights.Approximation methodused is a normative juridical research that refers to the theories, doctrines, norms, principles, rules relating to matters pertaining to insurance law. The nature of this research was analytic descriptive depict or describe the facts with the im

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Faia, Ester. "A NOTE ON CREDIT RISK TRANSFER AND THE MACROECONOMY." Macroeconomic Dynamics 22, no. 4 (2018): 1096–111. http://dx.doi.org/10.1017/s1365100516000390.

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The recent financial crisis highlighted the limits of the originate to distribute model of banking, but its nexus with the macroeconomy remains unexplored. I build a business cycle model with banks engaging in credit risk transfer (CRT) under informational externalities. Markets for CRT provide liquidity insurance to banks, but the emergence of a pooling equilibrium can also impair the banks' monitoring incentives. In normal times and in face of standard macro shocks the insurance benefits of CRT prevail and the business cycle is stabilized. In face of financial/liquidity shocks the extent of

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Shaaban, Youssef Gamil Masoud. "Mitigating Financial Risks in Modern Businesses: Strategies for Market Volatility and Credit Risk Management." Emirati Journal of Business, Economics, & Social Studies 4, no. 1 (2025): 54–59. https://doi.org/10.54878/q87qyr97.

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The exponential increase in bankruptcy risks in competitive business environments necessitates the implementation of effective risk management strategies to ensure sustainability and growth. This paper explores how companies and startups address financial risks such as market volatility and credit risk, which are critical in today's dynamic economic landscape. Techniques like hedging, which involves purchasing insurance for assets, and diversification, an investment strategy that spreads investments across various income sources, are highlighted as crucial methods for mitigating these risks. A

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Lai, Tze Leung. "Credit Portfolios, Credibility Theory, and Dynamic Empirical Bayes." ISRN Probability and Statistics 2012 (December 23, 2012): 1–42. http://dx.doi.org/10.5402/2012/832175.

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We begin with a review of (a) the pricing theory of multiname credit derivatives to hedge the credit risk of a portfolio of corporate bonds and (b) current approaches to modeling correlated default intensities. We then consider pricing of insurance contracts using credibility theory in actuarial science. After a brief discussion of the similarities and differences of both pricing theories, we propose a new unified approach, which uses recent advances in dynamic empirical Bayes modeling, to evolutionary credibility in insurance rate-making and default modeling of credit portfolios.

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Banjo, K. A., F. A. Oloyede, and S. A. Aduloju. "Nexus Between Agricultural Insurance And Economic Growth In Nigeria." Advances in Multidisciplinary and scientific Research Journal Publication 10, no. 1 (2022): 9–18. http://dx.doi.org/10.22624/aims/humanities/v10n2p2.

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E-mails: peaceadeolabanjo@gmail.com, oloyefx@gmail.com; ksaduloju@gmail.com Corresponding Author: peaceadeolabanjo@gmail.com ABSTRACT The present study is centered on the nexus between Agricultural insurance and economic growth in Nigeria. Agricultural Insurance is a valuable business risk management tool that provides farmers with financial protection against production losses caused by natural perils, such as drought, excessive moisture, hail, frost, wind and wildlife. The study made use of a survey research design and 50 farmers from Ijebu Igbo local government of Ogun State were administer

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Yu, Wenguang, Yujuan Huang, and Chaoran Cui. "The Absolute Ruin Insurance Risk Model with a Threshold Dividend Strategy." Symmetry 10, no. 9 (2018): 377. http://dx.doi.org/10.3390/sym10090377.

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The absolute ruin insurance risk model is modified by including some valuable market economic information factors, such as credit interest, debit interest and dividend payments. Such information is especially important for insurance companies to control risks. We further assume that the insurance company is able to finance and continue to operate when its reserve is negative. We investigate the integro-differential equations for some interest actuarial diagnostics. We also provide numerical examples to explain the effects of relevant parameters on actuarial diagnostics.

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