Relevant bibliographies by topics / Morte a credito

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Academic literature on the topic 'Morte a credito'

Author: Grafiati
Published: 10 March 2023

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Journal articles on the topic "Morte a credito"

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Stupazzoni, Marco. "Gennaro Cirillo, Morte a credito. Honoré de Balzac, “Histoire de la grandeur et de la décadence de César Birotteau”." Studi Francesi, no. 187 (LXIII | I) (July 1, 2019): 173. http://dx.doi.org/10.4000/studifrancesi.16500.

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Mingardo, Letizia. "È morto Ippocrate, lunga vita a Ippocrate. Per una rivalutazione del paradigma medico ippocratico." Medicina e Morale 68, no. 3 (October 15, 2019): 249–63. http://dx.doi.org/10.4081/mem.2019.585.

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Nel panorama bioetico contemporaneo trova credito l’idea per cui la tradizione ippocratica sarebbe ormai irrimediabilmente anacronistica ed inevitabilmente superata, come, ad esempio, sostengono autori quali Veatch, Riha, Heubel e Mori. Le ragioni profonde di questa ostilità rimandano al divieto di pratiche abortive e di atti finalizzati a provocare la morte, contenuti nel Giuramento di Ippocrate, nonché, più in generale, alla commistione con l’etica cristiana che la storia dell’ippocratismo racconta. Nel presente contributo intendo mostrare come il movimento anti-ippocratico contemporaneo si nutra di una nozione di ippocratismo affetta da una certa stereotipia, e così ricostruita allo scopo di accreditare l’opposto paradigma pro-choice. Il mio intento finale è quello di offrire alcuni spunti per una riconsiderazione del paradigma medico ippocratico, alla luce dell’apprezzamento di quelli fra suoi elementi costitutivi che possono definirsi “classici”. Dopo un breve ritorno alle origini storiche dell’ippocratismo, mi soffermerò sul primo Aforisma di Ippocrate, in quanto manifesto epistemologico della medicina ippocratica, e sul Giuramento, in quanto manifesto deontologico della professione medica ippocratica. A traghettarmi dall’Aforisma al Giuramento, a cavallo tra epistemologia e deontologia, sarà una specifica riflessione sulla concezione ippocratica del rapporto tra medico e paziente, così come emergente anche da altre fonti antiche. Nel compiere questo percorso, sarò supportata da autorevoli voci, che, nell’odierno panorama nazionale e internazionale, contribuiscono ad alimentare una sempre più attenta rivalutazione della tradizione ippocratica, sotto il profilo etico e deontologico.
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Butera, Federico, and Fernando Alberti. "Il governo delle reti inter-organizzative per la competitivitŕ." STUDI ORGANIZZATIVI, no. 1 (December 2012): 77–111. http://dx.doi.org/10.3280/so2012-001004.

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I policy maker sono costantemente alla ricerca delle forme e degli strumenti per contribuire ad aumentare la prosperitŕ economica e sociale del proprio territorio. Gli studi a livello internazionale ci dicono che la prosperitŕ di un territorio č direttamente riconducibile alla sua competitivitŕ, e quindi in primis al livello di produttivitŕ e innovazione del sistema delle imprese. Come verrŕ ampiamente illustrato in questo articolo, le reti inter-organizzative - nella varietŕ di forme che l'evidenza empirica ci suggerisce - attraverso una flessibilitŕ senza precedenti, una piů veloce circolazione delle informazioni, la condivisione di visioni, saperi e conoscenza, l'efficiente e rapido scambio di risorse e competenze per competere, assicurano al tempo stesso specializzazione, efficienza e alti livelli di produttivitŕ. La configurazione e la natura di tali reti č in via di continua ridefinizione ed espansione e l'uso del termine rete č spesso generico o inappropriato. Anche i confini delle reti vanno continuamente ridefiniti, in un continuum che va dalle imprese tradizionali che esternalizzano e delocalizzano parte della loro produzione fino al puro networking di varia natura. Noi ci concentreremo solo su quelle reti interorganizzative che rappresentano forme nuove di impresa, di quasi impresa, di sistemi di imprese che consentono una gestione competitiva e innovativa della catena del valore e dei processi fondamentali, conseguendo risultati economici e sociali, in una parola prosperitŕ. Ci occuperemo in particolare del fenomeno piů nuovo che caratterizza l'Italian way of doing industry, ossia lo sviluppo e i successi delle medie imprese, nodi di reti inter-organizzative che coinvolgono non solo imprese piccole, ma anche imprese grandi, in una proiezione spesso globale. Su queste nuove forme di reti inter-organizzative, si apre uno spazio di intervento straordinario per i policy maker in azioni di attivazione, incentivazione e supporto, capaci di condurre a superiori livelli di competitivitŕ le imprese componenti le reti, le reti stesse e i territori da cui esse muovono, ovvero capaci di favorire una maggiore prosperitŕ. Tali spazi di governo delle reti inter-organizzative possono avere natura infrastrutturale (trasporti, edilizia, tecnologie, credito, servizi, ecc.), relazionale (governo della catena del valore, dei processi, dei flussi, delle architetture d'impresa, dei sistemi informativi e di comunicazione, dei sistemi professionali ecc.) e cognitiva (capitale umano, capitale intellettuale, sistema di valori e norme, ecc.). Tutte e tre queste dimensioni sono importantissime e vanno gestite congiuntamente in nuove forme di management assicurate dalle imprese "pivotali" e nell'ambito di quello che nell'articolo č definito come meta-management, ovvero quelle posizioni di attori pubblici e privati - spesso in raccordo fra loro - che assicurano supporto e guida strategica alle reti. Nuovi modelli di management e di meta-management implicano una conoscenza profonda della rete e, di conseguenza, una visione d'insieme attuale e futura sicura e convincente e una capacitŕ di execution che sappia consolidare o riorientare la rete; valorizzare le risorse, materiali e personali, lě racchiuse e soprattutto perseguire obiettivi e misurare risultati. Meta-management non significa favorire il mero networking tra imprese, ma attivarsi come agenzie strategiche e provvedimenti concreti capaci di disegnare politiche di accompagnamento e sostegno alla creazione e alla valorizzazione di robusti network tra imprese e tra imprese e istituzioni, che trascendano le consuete filiere e agglomerazioni locali. Una economia e una societŕ fatta di reti inter-organizzative non č uguale a quella fatta prevalentemente di singole imprese "castello". Sulle reti di impresa e sull'impresa rete incombono alcune rilevanti questioni a cui il nostro lavoro tenta di dare alcune risposte Vediamole qui di seguito. 1. Diagnosi. L'organizzazione a rete č oggi scarsamente riconoscibile. Come diagnosticarla, come identificarne le caratteristiche strutturali e comprenderne i problemi critici? 2. Sviluppo e progettazione. L'organizzazione a rete si puň supportare con adeguati servizi, sviluppare intenzionalmente o addirittura progettare, come qui si sostiene? E se sě, in che modo? I metodi da adoperare per gestire questo sviluppo sono certo diversi da quelli adottati da strutture accentrate, sono meno top-down e meno razionalistici: ma quali possono essere? 3. Stabilitŕ e mutamento. Ogni nodo o soggetto della rete fa parte di reti diverse, in alcuni casi abbandona in rapida successione le une per legarsi ad altre. Come combinare l'estrema mutevolezza di queste multiple appartenenze con l'esigenza di stabilitŕ e crescita di ogni singolo nodo, come far sě che l'intera rete si comporti come un "attore collettivo" capace di un governo? 4. Risultati. Se e come definire obiettivi o ri-articolarli velocemente nel tempo? Come valutare i risultati delle diverse dimensioni economiche e sociali? 5. Decisioni e misura. L'organizzazione a rete - come e piů dell'impresa tradizionale - cambia per repentine innovazioni, per adattamento, per micro-decisioni, per miglioramento continuo, č il risultato di scelte su cosa fare dentro e cosa comprare, su quali funzioni accentrare e quali decentrare, su quando acquisire o vendere unitŕ aziendali e su quando fare accordi, dove allocare geograficamente le attivitŕ. Vi sono criteri e metodi da adottare, per operare in questi contesti di agilitŕ, velocitŕ e rapiditŕ di processi decisionali? 6. Sistemi. Quali tecniche o sistemi operativi adatti all'impresa rete dovranno essere sviluppati? Quali sistemi di pianificazione e controllo di gestione dell'impresa rete, if any? Č possibile stabilire standard di qualitŕ per la rete? Come sviluppare dimensioni quali linguaggi, culture, politiche di marchio e di visibilitŕ, come potenziare le comunitŕ, come promuovere formazione e apprendimenti? 7. Strutture. Le reti di impresa includono una grande varietŕ di forme, come vedremo. La rete di imprese puň includere una parte di gerarchia: quali modelli di organigrammi sono compatibili? Quali sistemi informativi, di telecomunicazioni, di social network sono adatti per la rete di imprese? Quali sistemi logistici? Quali regole e contratti formali? Quali flussi finanziari? Le risorse umane si possono gestire e sviluppare lungo la rete? E in che modo? E che dire dei sistemi di controllo della qualitŕ? 8. Nascita e morte. La rete di imprese e soprattutto i suoi "nodi" hanno un tasso di natalitŕ/ mortalitŕ piů elevato dell'impresa tradizionale. Gestire la nascita e la morte delle imprese diventerŕ ancora piů importante che gestire le imprese. Chi lo farŕ e come? 9. Vincoli e opportunitŕ. La legislazione, le relazioni industriali, la cultura manageriale sono oggi vincoli e opportunitŕ allo sviluppo di forme di rete di imprese. La globalizzazione dell'economia, lo sviluppo dei servizi, le nuove tecnologie, la cultura dei giovani, invece, sembrano operare piů come fattori facilitanti quando addirittura non cogenti. Come gestire (e non subire) vincoli e opportunitŕ? Cosa puň fare l'impresa, e cosa possono fare le istituzioni pubbliche? Vi sono nuovi programmi e regole nazionali e regionali per la costituzione delle reti di impresa: quale č la loro efficacia e impatto? In tale quadro, un'Agenzia Strategica (una grande impresa, una media impresa, un ente governativo, una Camera di commercio, un'associazione imprenditoriale, un istituto di credito) puň esercitare un ruolo centrale nella promozione e governo delle reti inter-organizzative per la competitivitŕ dei territori, mettendo a fuoco i propri interventi di policy avendo come oggetto prioritario queste nuove forme di impresa, quasi-impresa, sistemi di impresa usando diverse leve: - innanzitutto, fornendo o favorendo l'accesso a risorse chiave, come credito, finanziamenti, sgravi fiscali, servizi per l'internazionalizzazione, conoscenze, marketing ecc.; - agendo da fluidificatore delle reti tra imprese, che sappia rimuovere ostacoli nelle strutture relazionali e irrobustire nodi, processi, strutture di governance laddove necessario; inserendosi direttamente nelle strutture relazionali come ponte per connettere nodi disconnessi; - esercitando a pieno il ruolo di meta-manager di reti inter-organizzative ossia imprimendo al sistema un indirizzo strategico di fondo, governando i processi "politici" interni alla rete ossia la distribuzione di potere e risorse e creando le condizioni culturali, strategiche organizzative e tecnologiche; - facendo leva sull'essere un policy maker cross-settoriale e multi-territoriale. Le reti di impresa hanno successo se si integrano entro "piattaforme industriali" (ad es. IT, Green economy, portualitŕ e logistica), entro cluster territoriali (es. distretti, economie regionali, etc.), sistemi eterogenei interistituzionali (che includono imprese pubbliche, amministrazioni, istituzioni e associazioni). La nostra tesi č che azioni di governo della rete attraverso nuove forme di management e di meta-management sono tanto piů efficaci quanto piů contribuiscono a supportare e strutturare reti organizzative robuste o che tendono a diventare tali, ossia imprese reti e reti di impresa governate; sono tanto meno efficaci o quanto meno misurabili quanto piů supportano solo processi di networking poco definiti destinati a rimanere tali. Nei termini di Axelsson, policy e management hanno effetto su reti che esprimono a) modelli di relazione fra diverse organizzazioni per raggiungere fini comuni. Hanno un effetto minore o nullo quando le reti di cui si parla sono solo b) "connessioni lasche fra organizzazioni legate da relazioni sociali" o c) un insieme di due o piů relazioni di scambio.
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Bouslama, Ghassen, and Christophe Bouteiller. "Human capital and credit risk management: training is more valuable than experience." Problems and Perspectives in Management 17, no. 1 (February 13, 2019): 67–77. http://dx.doi.org/10.21511/ppm.17(1).2019.07.

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The aim of this article is to assess how human capital, and more specifically training and experience, helps in forecasting and monitoring credit risk. It uses a survey of a sample of loan officers in a major French mutualist bank and applies analysis of variance and correlation to determine the relationships among variables. The study of these two components of human capital in SME loan officers shows that their ability to anticipate risk depends above all on their training rather than on their experience. Some methods of anticipating risk are more important than others. Loan officers monitor their clients in similar ways, whatever the degree and nature of their experience. The findings have two important implications for credit risk management and human capital: first, both technical and regulatory training is crucial to enable loan officers to anticipate bank credit risk, second, experience, whether in banking or as a loan officer, only makes a difference in monitoring risk. These results will be useful when banks are planning recruitment, career management and resource and skills allocation. They also suggest that staff knowledge management will enable banks to use their human capital effectively to reach their own objectives with regard to risk control, and those fixed by the regulators. This work is, as far as it is known, the first to study the role of human capital in managing credit risk. The authors show that training is more important than experience in default risk anticipation, but that experience is useful in risk monitoring.
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Melo, Vinícius Leite, César Quadros Maia, Elisa Maia Alkmim, Amanda Pais Ravasio, Rafael Lourenço Donadeli, Larissa Ottoni Estevanin de Paula, Alexandre Ernesto Silva, and Denise Alves Guimarães. "Death and dying in Brazilian medical training: an integrative review." Revista Bioética 30, no. 2 (June 2022): 300–317. http://dx.doi.org/10.1590/1983-80422022302526en.

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Abstract To describe how death and dying are approached in the medical undergraduate programs in Brazil and their repercussions for students, an integrative review of publications from 2008 to 2019 was carried out, resulting in a selection of 36 articles. The difficulties in approaching the theme related to the biomedical model of training, the organization of the curriculum, and the training of teacher were identified. Those affect students, causing psychic suffering and hindering the training process. Few curriculums approach psychosocial aspects related to death and dying, which are often approached for insufficient credit hours, inadequate methods, or as extracurricular activities. Solution proposals point to the necessity of investments in palliative care in the undergraduate programs. In conclusion, these themes need to be more thoroughly included in the National Curricular Directives of medicine programs, to foster a more humanitarian training, based on ethical principles, and which prepares students and professionals to deal with end-of-life situations
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Karpunin, V. I. "Monte commune – debt ascend. The origin of the global system contradiction ‘creditors – debtors’." Vestnik of the Plekhanov Russian University of Economics, no. 2 (April 22, 2019): 12–31. http://dx.doi.org/10.21686/2413-2829-2019-2-12-31.

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The article was first to show that the forerunner of the local contradiction ‘creditors – debtors’ transformation into its global system form was a regular succession of historical events, among which building-up a debt pyramid (debt ascend) acts as a powerful system driver in the field of social, economic and legal relations. In contrast to many fundamental works dealing with the theory of credit and money debt (a stable historical phenomenon) is described as an immanent form of the system contradiction. The mechanism of spreading the global system contradiction ‘creditors – debtors’ in its fundamental social, economic and legal forms predetermines today the process of transforming the local phenomenon ‘debt’ and shaping related interests in the global phenomenon ‘one-polar world and geo-economic factors’ impact on the process of spreading the global system contradiction ‘creditors – debtors’ the author identifies key protection mechanisms, including finance (institutions, tools, procedures). These protection mechanisms are meant for consideration and adoption by the authorized body, i. e. the Security Council of the Russian Federation. Among the mentioned mechanisms two should be highlighted. The primary task is to develop on the basis of system approach methodology mechanisms of asymmetric response to repressions carried out by geo-economic and geo-political opponents of Russia. The task of paramount importance is the development of mechanisms providing necessary conditions for shaping the national elite in the field of politics, science, culture, corporate and state governance.
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Jaidi, Kenza, Benoit Barbeau, Annie Carrière, Raymond Desjardins, and Michèle Prévost. "Including operational data in QMRA model: development and impact of model inputs." Journal of Water and Health 7, no. 1 (October 1, 2008): 77–95. http://dx.doi.org/10.2166/wh.2009.133.

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A Monte Carlo model, based on the Quantitative Microbial Risk Analysis approach (QMRA), has been developed to assess the relative risks of infection associated with the presence of Cryptosporidium and Giardia in drinking water. The impact of various approaches for modelling the initial parameters of the model on the final risk assessments is evaluated. The Monte Carlo simulations that we performed showed that the occurrence of parasites in raw water was best described by a mixed distribution: log-Normal for concentrations > detection limit (DL), and a uniform distribution for concentrations < DL. The selection of process performance distributions for modelling the performance of treatment (filtration and ozonation) influences the estimated risks significantly. The mean annual risks for conventional treatment are: 1.97E−03 (removal credit adjusted by log parasite = log spores), 1.58E−05 (log parasite = 1.7 × log spores) or 9.33E−03 (regulatory credits based on the turbidity measurement in filtered water). Using full scale validated SCADA data, the simplified calculation of CT performed at the plant was shown to largely underestimate the risk relative to a more detailed CT calculation, which takes into consideration the downtime and system failure events identified at the plant (1.46E−03 vs. 3.93E−02 for the mean risk).
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Chatman, Daniel, and Niels Voorhoeve. "The transportation-credit mortgage: a post-mortem." Housing Policy Debate 20, no. 3 (June 1, 2010): 355–82. http://dx.doi.org/10.1080/10511481003788786.

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Khair, Umul. "ANALISIS YURIDIS TERHADAP AKIBAT HUKUM PUTUSAN PERNYATAAN PAILIT BAGI DEBITOR TERHADAP KREDITOR PEMEGANG HAK TANGGUNGAN." JCH (Jurnal Cendekia Hukum) 3, no. 2 (March 29, 2018): 258. http://dx.doi.org/10.33760/jch.v3i2.24.

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The research and discussion of the problems as outlined in this scientific work is done with the aim of knowing which legal provisions apply to the creditors holding the Mortgage Rights in the case of the decree of declaration of bankruptcy, considering there are two different legal provisions, namely Bankruptcy Law Number 37 of 2004 and Insurance Rights Act No. 4 of 1996. This research is a Yuridi Normative research. Data obtained through literature research. The purpose of library research is to obtain secondary data. Primary data obtained through library research, then the data were analyzed qualitatively. From the result of the research, it is known that the Commercial Court judge in determining the decision of bankruptcy statement based its decision on the provisions of Law No. 34 of 2004, and the judges use legal principle of lex posteriori derogate legi priori to determine which legal provisions should be applied. Thus, both the bankrupt debtor and the creditor are subject to the provisions of bankruptcy, so that the holder of the mortg who has the position of the preferred creditor can only exercise his / her right of execution of the burden of the mortgage for a period of two months after a ninety-day suspension period since the bankruptcy decision was pronounced.
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Malavasi, Massimiliano. "La morte elusa e l’eroismo rifiutato." AOQU (Achilles Orlando Quixote Ulysses). Rivista di epica 2, no. II (December 30, 2021): 205–45. http://dx.doi.org/10.54103/2724-3346/17268.

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La morte del protagonista nel poema eroicomico è un evento decisamente inusuale. Anche considerando come parte di questa produzione il poema giocoso e le parodie dei miti classici, la lista degli eroi che cadono gloriosamente sul campo di battaglia rimane decisamente breve. E non si tratta di un caso: a parte i personaggi che scoppiano letteralmente dalle risate o che muoiono perché morsi da un piccolo granchio, gli eroi del poema eroicomico sono uomini pieni di paura, renitenti all’eroismo, desiderosi soprattutto di rimanere vivi per poter continuare a mangiare a crepapelle, a fare l’amore, a godersi l’esistenza. E l’idea stessa dell’eroismo è costantemente condannata e derisa. Questa rivendicazione per la vita contro l’obbligo del sacrificio – nella cultura Controriformistica – è più politica di quanto i critici abbiano in genere creduto. Uno sguardo alle opere di scrittori quali Aretino, Folengo, Tassoni, Lippi, de’ Bardi, Corsini, ma anche Traiano Boccalini, fornisce un’elo-quente prova dell’esistenza di una mentalità alternativa ai dogmi della civiltà aristocratica.
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Dissertations / Theses on the topic "Morte a credito"

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Bourque, Réjean. "Style, narration et communication dans Mort à credit /." Thèse, Trois-Rivières : Université du Québec à Trois-Rivières, 1986. http://theses.uqac.ca.

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Mémoire (M.A.Fr.)-- Université du Québec à Trois-Rivières, 1986.
Ce mémoire a été réalise à l'Université du Québec à Chicoutimi dans le cadre du programme de maîtrise en études littéraires de l'Université du Québec à Trois-Rivières extentionné a l'Université du Québec à Chicoutimi. CaQCU Document électronique également accessible en format PDF. CaQCU
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Johansson, Sam. "Efficient Monte Carlo Simulation for Counterparty Credit Risk Modeling." Thesis, KTH, Matematisk statistik, 2019. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-252566.

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In this paper, Monte Carlo simulation for CCR (Counterparty Credit Risk) modeling is investigated. A jump-diffusion model, Bates' model, is used to describe the price process of an asset, and the counterparty default probability is described by a stochastic intensity model with constant intensity. In combination with Monte Carlo simulation, the variance reduction technique importance sampling is used in an attempt to make the simulations more efficient. Importance sampling is used for simulation of both the asset price and, for CVA (Credit Valuation Adjustment) estimation, the default time. CVA is simulated for both European and Bermudan options. It is shown that a significant variance reduction can be achieved by utilizing importance sampling for asset price simulations. It is also shown that a significant variance reduction for CVA simulation can be achieved for counterparties with small default probabilities by employing importance sampling for the default times. This holds for both European and Bermudan options. Furthermore, the regression based method least squares Monte Carlo is used to estimate the price of a Bermudan option, resulting in CVA estimates that lie within an interval of feasible values. Finally, some topics of further research are suggested.
I denna rapport undersöks Monte Carlo-simuleringar för motpartskreditrisk. En jump-diffusion-modell, Bates modell, används för att beskriva prisprocessen hos en tillgång, och sannolikheten att motparten drabbas av insolvens beskrivs av en stokastisk intensitetsmodell med konstant intensitet. Tillsammans med Monte Carlo-simuleringar används variansreduktionstekinken importance sampling i ett försök att effektivisera simuleringarna. Importance sampling används för simulering av både tillgångens pris och, för estimering av CVA (Credit Valuation Adjustment), tidpunkten för insolvens. CVA simuleras för både europeiska optioner och Bermuda-optioner. Det visas att en signifikant variansreduktion kan uppnås genom att använda importance sampling för simuleringen av tillgångens pris. Det visas även att en signifikant variansreduktion för CVA-simulering kan uppnås för motparter med små sannolikheter att drabbas av insolvens genom att använda importance sampling för simulering av tidpunkter för insolvens. Detta gäller både europeiska optioner och Bermuda-optioner. Vidare, används regressionsmetoden least squares Monte Carlo för att estimera priset av en Bermuda-option, vilket resulterar i CVA-estimat som ligger inom ett intervall av rimliga värden. Slutligen föreslås några ämnen för ytterligare forskning.
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Kolman, Marek. "Portfolio Credit Risk Modeling." Master's thesis, Vysoká škola ekonomická v Praze, 2010. http://www.nusl.cz/ntk/nusl-75474.

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Thesis Portfolio Credit Risk Modeling focuses on state-of-the-art credit models largely implemented by banks into their banking risk-assessment and complementary valuation system frameworks. Reader is provided in general with both theoretical and applied (practical) approaches that are giving a clear notion how selected portfolio models perform in real-world environment. Our study comprises CreditMetrics, CreditRisk+ and KMV model. In the first part of the thesis, our intention is to clarify theoretically main features, modeling principles and moreover we also suggest hypotheses about strengths/drawbacks of every scrutinized model. Subsequently, in the applied part we test the models in a lab-environment but with real-world market data. Noticeable stress is also put on model calibration. This enables us to con firm/reject the assumptions we made in the theoretical part. In the very end there follows a straightforward general overview of all outputs and a conclusion.
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Wendin, Jonathan Erik Purvis. "Bayesian methods in portfolio credit risk management." Zürich : ETH, 2006. http://e-collection.ethbib.ethz.ch/ecol-pool/diss/abstracts/p16481.pdf.

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Liu, Xinjia. "Pricing of multi-name credit derivatives using copulas." Worcester, Mass. : Worcester Polytechnic Institute, 2008. http://www.wpi.edu/Pubs/ETD/Available/etd-010808-160914/.

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Professional Master's Project in partial fulfillment of the requirements for the degree of Master of Science (M.S.)--Worcester Polytechnic Institute.
Keywords: first-to-default baskets; multi-name credit derivatives; copula functions. Includes bibliographical references (leaf 29 ).
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Järnberg, Emelie. "Dynamic Credit Models : An analysis using Monte Carlo methods and variance reduction techniques." Thesis, KTH, Matematisk statistik, 2016. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-197322.

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In this thesis, the credit worthiness of a company is modelled using a stochastic process. Two credit models are considered; Merton's model, which models the value of a firm's assets using geometric Brownian motion, and the distance to default model, which is driven by a two factor jump diffusion process. The probability of default and the default time are simulated using Monte Carlo and the number of scenarios needed to obtain convergence in the simulations is investigated. The simulations are performed using the probability matrix method (PMM), which means that a transition probability matrix describing the process is created and used for the simulations. Besides this, two variance reduction techniques are investigated; importance sampling and antithetic variates.
I den här uppsatsen modelleras kreditvärdigheten hos ett företag med hjälp av en stokastisk process. Två kreditmodeller betraktas; Merton's modell, som modellerar värdet av ett företags tillgångar med geometrisk Brownsk rörelse, och "distance to default", som drivs av en två-dimensionell stokastisk process med både diffusion och hopp. Sannolikheten för konkurs och den förväntade tidpunkten för konkurs simuleras med hjälp av Monte Carlo och antalet scenarion som behövs för konvergens i simuleringarna undersöks. Vid simuleringen används metoden "probability matrix method", där en övergångssannolikhetsmatris som beskriver processen används. Dessutom undersöks två metoder för variansreducering; viktad simulering (importance sampling) och antitetiska variabler (antithetic variates).
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Sauter, Dawn Adell. "Estimating swap credit risk : significance of the volatility input using Monte-Carlo simulation /." Thesis, This resource online, 1993. http://scholar.lib.vt.edu/theses/available/etd-12052009-020238/.

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Neier, Mark. "Pricing of collateralized debt obligations and credit default swaps using Monte Carlo simulation." Thesis, Manhattan, Kan. : Kansas State University, 2009. http://hdl.handle.net/2097/2308.

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Sacramento, Junior Luiz Claudio Ferreira. "More than words: broader information sharing and access to the formal credit market." reponame:Repositório Institucional do FGV, 2017. http://hdl.handle.net/10438/18293.

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This paper shows how information sharing mechanisms might enable Micro and Small Enterprises (MSEs) to increase their access to formal credit markets. Using a unique dataset provided by the Brazilian Central Bank and Ministry of Labor, a change is applied in the threshold of loans that must be reported and shared by all active financial institutions as a gradual increase in the available information on MSEs. Results suggest that borrowers that benefited by this change obtained more loans and smaller interest rates, and by building a good client pool ended up receiving smaller maturities. Firms were also less likely to delay repayments and present smaller loan losses. This evidence sheds light on information asymmetry and literature on financial inclusion by showing that information sharing mechanisms can improve the decision to offer credit, and MSEs can become less dependent of relationship lending to obtain loans.
Esse estudo mostra como mecanismos de compartilhamento de informação podem permitir Micro e Pequenas Empresas (MPEs) podem melhorar seu acesso a mercados de crédito formais. Utilizando uma base de dados única obtida junto ao Banco Central do Brasil e Ministério do Trabalho, uma mudança é aplicada no limite do valor de empréstimos que precisam ser reportados e compartilhados por todas as instituições financeiras ativas como uma mudança gradual na informação disponível sobre MPEs. Os resultados indicam que tomadores de empréstimo que se beneficiaram dessa mudança obtiveram mais empréstimos e menores taxas de juros, e por constituir um bom grupo de clientes acabam por receber menores vencimentos. As empresas são ainda menos prováveis de atrasar seus pagamentos e apresentam menores perdas aos bancos. As consequências desse estudo lançam luz sobre a literatura de assimetria de informação e inclusão financeira ao mostrar que mecanismos de compartilhamento de informação podem auxiliar na decisão de oferecer crédito e MPEs podem se tornar menos dependentes de empréstimos de relacionamento para obter empréstimos.
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Lundström, Love, and Oscar Öhman. "Backtesting of simulated method for Counterparty Credit Risk." Thesis, Umeå universitet, Institutionen för matematik och matematisk statistik, 2020. http://urn.kb.se/resolve?urn=urn:nbn:se:umu:diva-173284.

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After the financial crisis of 2008 regulators found that the derivative market, where financial institutions traded OTC derivatives with each other, played a significantrole in triggering the crisis. This led to the emergence of Counterparty Credit Risk(CCR) which is used to measure the exposure banks have to their counterparties. In simple terms CCR is a mix of Market and Credit risk which defines the risk that your counter party will go into bankruptcy. CCR involves the risk factors used in market risk since all of the derivatives are based on underlying assets such as interest rate and currencies. The thesis will focus on how one can backtest individual risk factors driving the value of OTC derivatives. We will present different Monte Carlo simulation techniques that are being used to simulate and represent all possible future outcomes for the risk factors. In order to better understand the performance of a chosen model and how to adjust the calibration window for the ingoing parameters, two different approaches are presented,Quantitative Backtesting and Statistical Backtesting. As an extension to this, a portfolio of interest rate Swaps are backtested whose value are driven by the evolution of the underlying risk factors. The backtesting ofthe portfolio is done with netting. The time horizon for the backtesting procedureis 2010-2020 giving the user up to 261 independent observations with a forecast length of 14 days. Both of the backtesting methods provide the practitioner with a graphical results guiding the user to choose an appropriate model and calibration method for simulating the risk factors. We found that a combination of the two approaches provides the best result. Hence, no backtesting method is superior the other. Instead they complement each other and should be used simultaneously. Using the two backtesting methods one can find a model that perfectly fit the underlying distribution of risk factors, theoretically. However, one should be careful since there will always be uncertainty about the future and there is no guarantee that tomorrow will follow historical evolution exactly.
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Books on the topic "Morte a credito"

1

Credito e morte a Palermo nel Seicento. Napoli: Bibliopolis, 2017.

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Rita, Rossella De. Il Monte di pietà di Roma: Credito e beneficenza alla fine dell'Ottocento. Rome]: Progetto cultura, 2011.

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Il credito disciplinato: Il Monte di pietà di Bologna in età barocca. Bologna: Società editrice Il mulino, 2014.

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Cargnelutti, Liliana. Il Monte di pietà di Udine tra assistenza, beneficenza e credito (1496-1942). [Udine, Italy]: Forum, 1996.

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Antonello, Paola. Dalla pietà al credito: Il Monte di Pietà di Bologna fra Otto e Novecento. Bologna: Il mulino, 1997.

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Conti, Giuseppe. La politica aziendale di un istituto di credito immobiliare: Il Monte dei Paschi di Siena dal 1815 al 1872. Firenze: Leo S. Olschki, 1985.

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Pillon, Lucia. Il tempo sospeso: La storia del Monte di pietà di Gorizia, 1831-1929 : tra beneficenza e credito. Gorizia: Fondazione Palazzo Coronini Cronberg, 2012.

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La politica aziendale di un istituto di credito immobiliare: Il Monte dei Paschi di Siena dal 1815 al 1872. Firenze: L.S. Olschki, 1985.

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Sagro monte di pietà di Bologna. Il giornale del Monte della Pietà dei Bologna: Studi e edizione del più antico registro contabile del Monte di Piet`a di Bologna (1473-1519). Bologna: Minerva, 2003.

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Clara, Cutini Zazzerini, ed. Per soventione de le povere persone: Aspetti del credito a Perugia dal Monte di pietà alla Cassa di risparmio. San Sisto (Perugia): Effe-Fabrizio Fabbri Editore, 2000.

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Book chapters on the topic "Morte a credito"

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Bolder, David Jamieson. "Monte Carlo Methods." In Credit-Risk Modelling, 429–87. Cham: Springer International Publishing, 2018. http://dx.doi.org/10.1007/978-3-319-94688-7_8.

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Donaldson, T. H. "Credit in Securities." In More Thinking about Credit, 110–17. London: Palgrave Macmillan UK, 1995. http://dx.doi.org/10.1007/978-1-349-13763-3_7.

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Donaldson, T. H. "Credit Standards and Cultures." In More Thinking about Credit, 101–9. London: Palgrave Macmillan UK, 1995. http://dx.doi.org/10.1007/978-1-349-13763-3_6.

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Donaldson, T. H. "Ranking of Creditors: The Principles and the Instruments." In More Thinking about Credit, 1–24. London: Palgrave Macmillan UK, 1995. http://dx.doi.org/10.1007/978-1-349-13763-3_1.

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Donaldson, T. H. "Government Action: Legal, Political and Whimsical." In More Thinking about Credit, 25–43. London: Palgrave Macmillan UK, 1995. http://dx.doi.org/10.1007/978-1-349-13763-3_2.

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Donaldson, T. H. "Damage Limitation." In More Thinking about Credit, 44–69. London: Palgrave Macmillan UK, 1995. http://dx.doi.org/10.1007/978-1-349-13763-3_3.

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Donaldson, T. H. "Techniques and Insolvency." In More Thinking about Credit, 70–81. London: Palgrave Macmillan UK, 1995. http://dx.doi.org/10.1007/978-1-349-13763-3_4.

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Donaldson, T. H. "Different Types of Lending, Different Types of Risk." In More Thinking about Credit, 82–100. London: Palgrave Macmillan UK, 1995. http://dx.doi.org/10.1007/978-1-349-13763-3_5.

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Donaldson, T. H. "Some Analytical Snippets." In More Thinking about Credit, 118–29. London: Palgrave Macmillan UK, 1995. http://dx.doi.org/10.1007/978-1-349-13763-3_8.

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Brereton, Tim J., Dirk P. Kroese, and Joshua C. Chan. "Monte Carlo Methods for Portfolio Credit Risk." In Credit Securitizations and Derivatives, 127–52. Chichester, UK: John Wiley & Sons Ltd, 2013. http://dx.doi.org/10.1002/9781118818503.ch7.

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Conference papers on the topic "Morte a credito"

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Fabricius, Andreas, Mark Taylor, and David Moelling. "Impact of Startup Purge Credit on Combined Cycle Plant Operation." In ASME 2015 Power Conference collocated with the ASME 2015 9th International Conference on Energy Sustainability, the ASME 2015 13th International Conference on Fuel Cell Science, Engineering and Technology, and the ASME 2015 Nuclear Forum. American Society of Mechanical Engineers, 2015. http://dx.doi.org/10.1115/power2015-49101.

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Normal boiler and Heat Recovery Steam Generator Operation have required a complete purge of the boiler by fresh air before startup firing to remove potentially explosive fuels and other substances from the boiler/HRSG. For power plants in daily two-shift cycling (or more frequent starts) this not only adds time to the startup sequence but can impose significant thermal stresses on hot components exposed to cooler purge air. Since the approval of a purge credit mode in NFPA 85 (2011) where the flow of air through the HRSG during shutdown can be credited as a purge, plants can operating without a startup purge with enhanced fuel systems and operating procedures. This paper will look at the impact of purge (and purge credit) on the thermal stress and fatigue lifetimes of HRSG operating with and without purge credit. Data and simulation results will demonstrate the range of fatigue life changes from implementation of purge credits as well as other operational impacts as seen in operating data.
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Kozar, Vladimir. "OSTVARIVANjE ZALOŽNIH PRAVA U STEČAJNOM POSTUPKU IZ VREDNOSTI OPTEREĆENE IMOVINE." In XVII majsko savetovanje. Pravni fakultet Univerziteta u Kragujevcu, 2021. http://dx.doi.org/10.46793/uvp21.929k.

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The article analyzes the legal provisions, legal practice, as well as the opinions of jurisprudence on creditors with rights to separate settlement and pledge creditors as two special categories of secured creditors. The opening of bankruptcy proceedings over the owner of the real estate under the mortgage or of the movable property under pledge has a significant impact on the process of exercising rights and the position of secured creditors. The bankruptcy legal framework in the Republic of Serbia, on the one hand, limits their rights, and on the other hand, provides significant guarantees, by prescribing more specific institutes that further improve the position of secured creditors in the sale of encumbered assets of the bankruptcy debtor, which is the subject of this paper. First of all, the rules that condition the leasing of the encumbered asset of the bankruptcy debtor with the consent of creditors with rights to separate settlement and pledge creditors are considered. Also, the influence of the moratorium on the realization of liens by settling claims from the value of encumbered asset is presented, as a possibility of abrogation of the legal prohibition of individual execution. The procedure of the realization of the preemptive right on the subject of the right to seek separate settlement and on the subject of lien, in the case of the method of sale by direct agreement, as well as the application of the credit bidding institute (possibility for the creditor to offset his secured claim with the purchase price, in case he is the best bidder), have been explained.
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O'Connell, Rebecca, and Gloria Starns. "Creating Opportunities for Exploration by Modularizing a Three Credit Engineering Course." In Engineering Something More. Iowa City, Iowa: University of Iowa, 2014. http://dx.doi.org/10.17077/aseenmw2014.1006.

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Cheng, Frank, Yagil Engel, and Michael P. Wellman. "Cap-and-Trade Emissions Regulation: A Strategic Analysis." In Twenty-Eighth International Joint Conference on Artificial Intelligence {IJCAI-19}. California: International Joint Conferences on Artificial Intelligence Organization, 2019. http://dx.doi.org/10.24963/ijcai.2019/27.

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Cap-and-trade schemes are designed to achieve target levels of regulated emissions in a socially efficient manner. These schemes work by issuing regulatory credits and allowing firms to buy and sell them according to their relative compliance costs. Analyzing the efficacy of such schemes in concentrated industries is complicated by the strategic interactions among firms producing heterogeneous products. We tackle this complexity via an agent-based microeconomic model of the US market for personal vehicles. We calculate Nash equilibria among credits-trading strategies in a variety of scenarios and regulatory models. We find that while cap-and-trade results improves efficiency overall, consumers bear a disproportionate share of regulation cost, as firms use credit trading to segment the vehicle market. Credits trading volume decreases when firms behave more strategically, which weakens the segmentation effect.
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Mach, Maria. "TAL Rules Versus ECA Rules: an Attempt for Comparison in the Credit Management Context." In 2002 Informing Science + IT Education Conference. Informing Science Institute, 2002. http://dx.doi.org/10.28945/2528.

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Credits are the one of the most important functions in bank management, because, from one side, thanks to a good credit policy a bank can earn money, but from the other side, in the case of weak or wrong credit policy the bank can make substantial losses. Therefore in the field of credit policy management, intelligent information systems can be very helpful, as it is a complex and heterogeneous field, needing complex management and decision-making procedures. There exist many technical solutions aimed at helping the decision-makers in this field, from “traditional” ones, as databases, to more sophisticated tools, as for example expert systems, the main aim of which is to perform the analysis of applications for a credit, thus helping to make proper credit decisions. Credit management is closely related to time, in other words, the temporal aspect of credit management can be very clearly seen. Therefore while building intelligent systems in this area, it would be recommended to take this temporal aspect into account. The article concentrates on the question of searching and choosing an intelligent computer tool which would fulfil the above mentioned requirements, the toll which would help to make necessary credit analyses, to make proper credit decisions, taking into account the temporal aspect of credit management. Two solutions are discussed: TAL language and active databases. Some exemplary credit management rules are encoded both in the TAL language and in the form of ECA rules. Both kinds of rules are analysed and discussed, as well as their advantages and disadvantages.
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Yapar Saçık, Sinem, and Ebubekir Karaçayır. "Relationship between Current Account Deficit and Credit Volume after the Global Financial Crisis: The Case of Turkey." In International Conference on Eurasian Economies. Eurasian Economists Association, 2014. http://dx.doi.org/10.36880/c05.01091.

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An important macroeconomic variable, current account deficit as percentage of gross domestic product is considered as an indicator of an economic crisis when it is above 5%. In the economies where current account deficit is a problem, source of current account deficit should be determined for the solution. In the case of an interaction between credit expansion and current account, policies using a credit mechanism can be applied to stabilize the current account balance. In order to determine the relationship between current account deficit and credit volume before and after the financial crisis, visual graphics based on data will be utilized. This paper analysis the cointegration, long and short run causality relationship between current account deficit and consumer credits for Turkey over the period 2004Q3-2013Q3. The results of Johansen cointegration test indicate a cointegration between these variables. The empirical results show that there is bidirectional long and short run casuality relationship among variables. After the financial crisis of 2008, the increase in credit expansion increased domestic consumption depending on imports causing deterioration in current account deficit. There are difficulties of low finance qualities of this current account deficit and the realization of structural transformation in favor of exports in short term. Targeting a continuing economic growth increases energy dependency and import of investment goods, so puts credit mechanism policies forward to fight with current account deficit. Limiting the credit volume more than necessary to reduce current account deficit can worsen the various macroeconomic variables.
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Spineanu georgescu, Luciana, and Georgiana Badea. "THE USE OF INFORMATICS IN THE EARLY STAGES OF PRACTICE OF THE ECONOMISTS' STUDENTS." In eLSE 2013. Carol I National Defence University Publishing House, 2013. http://dx.doi.org/10.12753/2066-026x-13-181.

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Due to the economic imbalance on the labor market that generates a growing unemployment rate, I consider necessary to educate young students in the spirit of financial and banking through their participation in certain stages of practice conducted by faculty especially for training and professional development. In this regard, the banking practice has implemented a virtual computer program that works according to the rules and regulations in force and which provides practitioners, both a baggage of theoretical knowledge and the possibility to accumulate a practical experience. The training process includes a stage of familiarization with the usual banking terms and concepts, with the products promoted by means of virtual banking, the registration of credits granted in the computer system, and a stage where practitioners will be assigned specific tasks of a bank worker. In the first stage the practitioners will perform all operations related to the granting, management and tracking of a credit from granting and until its full repayment after the typical transactions that take place in a real bank. The second stage involves the development of scenarios where a part of practitioners are bank employees and the others are clients of the bank. It will be presented and examined how to make an application for credit, a credit report, of the underlying documents preparation and that are parts of a credit agreement (contract of mortgage, with everything that involves, contract of pledge on movable property registered in the ELECTRONIC ARCHIVE OF REAL MOVABLE GUARANTEES). Using computer system facilitates the accumulation of theoretical and practical knowledge corresponding to the executive functions from a bank unit respectively that of front-office administrator, credit counselor for individuals and legal entities. Through the approach and presentation of the topic, this way of learning is gaining more and more ground whereas removes monotony and routine of regular courses and allows an active interaction between students and teacher.
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Jain, Aastha, and Deval Verma. "Making Credit Underwriting Process More Accurate using ML." In 2022 International Conference on Advances in Computing, Communication and Materials (ICACCM). IEEE, 2022. http://dx.doi.org/10.1109/icaccm56405.2022.10009117.

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Thomas, David B., and Wayne Luk. "Credit Risk Modelling using Hardware Accelerated Monte-Carlo Simulation." In 2008 16th International Symposium on Field-Programmable Custom Computing Machines (FCCM). IEEE, 2008. http://dx.doi.org/10.1109/fccm.2008.41.

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Kaganov, Alexander, Paul Chow, and Asif Lakhany. "FPGA acceleration of Monte-Carlo based credit derivative pricing." In 2008 International Conference on Field Programmable Logic and Applications (FPL). IEEE, 2008. http://dx.doi.org/10.1109/fpl.2008.4629953.

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Reports on the topic "Morte a credito"

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Alesina, Alberto, Francesca Lotti, and Paolo Emilio Mistrulli. Do Women Pay More for Credit? Evidence from Italy. Cambridge, MA: National Bureau of Economic Research, July 2008. http://dx.doi.org/10.3386/w14202.

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Vera-Cossio, Diego A. Research Insights: Do Better-Connected Community Members Benefit More from Subsidized Credit? Inter-American Development Bank, August 2021. http://dx.doi.org/10.18235/0003594.

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More powerful and less productive households, both in terms of wealth and connections, ended up obtaining more credit from a community-based lending program. Informal markets partially attenuated these targeting distortions by redirecting credit from connected to unconnected households, albeit at higher rates. Despite the targeting distortions, a community-based approach may still be more appealing than other centralized criteria to target credit. Eliminating the connection-based advantage may lead to village-level gains in terms of equity and output.
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Pepin, Gabrielle. Tax Credits for Child Care Increase Take Up and May Help More Mothers Work. W.E. Upjohn Institute, 2020. http://dx.doi.org/10.17848/pb2020-28.

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Wiersch, AnnMarie, Barbara J. Lipman, Kim Wilson, and Lucas J. Misera. Clicking for Credit: Experiences of Online Lender Applicants from the Small Business Credit Survey. Federal Reserve Bank of Cleveland, August 2022. http://dx.doi.org/10.26509/frbc-cd-20220816.

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This report presents findings on the experiences of small businesses seeking credit from online lenders, based on data from the 2021 Small Business Credit Survey (SBCS). According to findings, firms that apply to online lenders are more likely to be newer and have fewer employees, lower revenues, and weaker credit scores. In addition, Black- and Hispanic-owned firms are more likely than white- and Asian-owned firms to report that they applied to an online lender. Furthermore, contrary to prior SBCS findings, online-lender applicants were less likely than bank applicants to be approved for the full amount of financing they sought. Generally, online-lender applicants reported lower overall satisfaction with their lenders than did bank applicants. Overall, approved applicants cited fewer challenges with their lender experiences than did applicants that were denied. The only exception was at online lenders, where approved applicants were more likely than denied applicants to cite challenges with high interest rates and unfavorable repayment terms.
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Gutiérrez, José E., and Luis Fernández Lafuerza. Credit line runs and bank risk management: evidence from the disclosure of stress test results. Madrid: Banco de España, December 2022. http://dx.doi.org/10.53479/25006.

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As noted in recent literature, firms can run on credit lines due to fear of future credit restrictions. We exploit the 2011 stress test supervised by the European Banking Authority (EBA) and the Spanish Central Credit Register to explore: 1) the occurrence and magnitude of these runs after the release of negative stress test results; and 2) banks’ behaviour before and after the release of this information. We find that, following the release of the results, firms drew down approximately 10 pp more available funds from lines granted by banks that had a worse performance in the stress test. Moreover, before the release date, poorer performing banks were more likely to reduce the size of credit lines, while those with more significant balances of undrawn credit lines were more likely to cut term lending.
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Gutiérrez, José E., and Luis Fernández Lafuerza. Credit line runs and bank risk management: evidence from the disclosure of stress test results. Madrid: Banco de España, January 2023. http://dx.doi.org/10.53479/24998.

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As noted in recent literature, firms can run on credit lines due to fear of future credit restrictions. We exploit the 2011 stress test supervised by the European Banking Authority (EBA) and the Spanish Central Credit Register to explore: 1) the occurrence and magnitude of these runs after the release of negative stress test results; and 2) banks’ behaviour before and after the release of this information. We find that, following the release of the results, firms drew down approximately 10 pp more available funds from lines granted by banks that had a worse performance in the stress test. Moreover, before the release date, poorer performing banks were more likely to reduce the size of credit lines, while those with more significant balances of undrawn credit lines were more likely to cut term lending.
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Wiersch, AnnMarie, Scott Lieberman, and Barbara J. Lipman. Click, Submit 2.0: An Update on Online Lender Applicants from the Small Business Credit Survey. Federal Reserve Bank of Cleveland, December 2019. http://dx.doi.org/10.26509/frbc-cd-20191218.

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This study presents an analysis of data from the 2018 Small Business Credit Survey. The findings shed light on the types of small firms using online lenders, their application experiences, and credit outcomes. Among the main findings: Firms that apply at online lenders are more likely to be smaller, have lower credit scores, report more financial challenges, and be less profitable than firms that apply at only traditional lenders. In addition, black-owned and Hispanic-owned firms are more likely than white-owned and Asian-owned firms to report they applied at an online lender. Furthermore, online-lender applicants are more likely than traditional-lender applicants to apply for smaller amounts of financing and to seek funding to cover operating expenses. Finally, online-lender applicants reported greater success obtaining credit than traditional-lender-only applicants, despite having lower credit scores, and they are less satisfied with their lenders.
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Fabiani, Andrea, Martha López, José-Luis Peydró, Paul E. Soto, and Margaret Guerrero. Capital Controls, Domestic Macroprudential Policy and the Bank Lending Channel of Monetary Policy. Banco de la República, June 2021. http://dx.doi.org/10.32468/be.1162.

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We study how capital controls and domestic macroprudential policy tame credit supply booms, respectively targeting foreign and domestic bank debt. For identification, we exploit the simultaneous introduction of capital controls on foreign exchange (FX) debt inflows and an increase of reserve requirements on domestic bank deposits in Colombia during a strong credit boom, as well as credit registry and bank balance sheet data. Our results suggest that first, an increase in the local monetary policy rate, raising the interest rate spread with the United States, allows more FX-indebted banks to carry trade cheap FX funds with more expensive peso lending, especially toward riskier, opaque firms. Capital controls tax FX debt and break the carry trade. Second, the increase in reserve requirements on domestic deposits directly reduces credit supply, and more so for riskier, opaque firms, rather than enhances the transmission of monetary rates on credit supply. Importantly, different banks finance credit in the boom with either domestic or foreign (FX) financing. Hence, capital controls and domestic macroprudential policy complementarily mitigate the boom and the associated risk-taking through two distinct channels
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Bastian, Jacob, and Lance Lochner. The Earned Income Tax Credit and Maternal Time Use: More Time Working and Less Time with Kids? W.E. Upjohn Institute, September 2020. http://dx.doi.org/10.17848/wp20-333.

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Morais, Bernardo, Gaizka Ormazabal, José-Luis Peydró, Mónica Roa, and Miguel Sarmiento. Forward Looking Loan Provisions: Credit Supply and Risk-Taking. Banco de la República, April 2021. http://dx.doi.org/10.32468/be.1159.

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Abstract:
We show corporate-level real, financial, and (bank) risk-taking effects associated with calculating loan provisions based on expected—rather than incurred—credit losses. For identification, we exploit unique features of a Colombian reform and supervisory, matched loan-level data. The regulatory change induces a dramatic increase in provisions. Banks tighten all new lending conditions, adversely affecting borrowing-firms, with stronger effects for risky-firms. Moreover, to minimize provisioning, more affected (less-capitalized) banks cut credit supply to risky-firms— SMEs with shorter credit history, less tangible assets or more defaulted loans—but engage in “search-for-yield” within regulatory constraints and increase portfolio concentration, thereby decreasing risk diversification.
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