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Dissertations / Theses on the topic 'Non-Performing Financing'

Author: Grafiati

Published: 4 June 2025

Last updated: 1 August 2025

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1

Bandžak, Richard. "Costs and benefits of reducing financing costs through corporate social responsibility." Master's thesis, Vysoká škola ekonomická v Praze, 2015. http://www.nusl.cz/ntk/nusl-201904.

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The dissertation thesis investigates the relationship between corporate social responsibility (CSR) and financial performance (FP) on the sample of 51 Eurozone banks over the period from 2008 to 2014. The investigation is based on a panel data regression analysing the financial data from Bankscope and the social performance data from CSRHub. Return on assets and the ratio of non-performing loans to total loans represent the measures of financial performance and are used as dependent variables. The results of this model have shown a positive and statistically significant CSR-FP relationship. It

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Tsumake, Gertrude Kgalalelo. "What are the determinants of non-performing loans in Botswana?" Master's thesis, University of Cape Town, 2016. http://hdl.handle.net/11427/22917.

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The maintenance of asset quality, efficiency and profitability is a vital requirement for the survival and development of banks. Loans are the main asset class from which banks generate their major portion of income and also signify the greatest risk to banks. There has been significant indication that the financial crises in the USA, Sub-Saharan Africa and East Asia were signalled by high levels of non-performing loans (NPLs). Due to the detrimental effect that these loans have on a bank's revenue and the economic welfare of a country, it is essential to examine and investigate the determinan

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Aghabarari, L. "Banks' lending during the financial crisis." Doctoral thesis, Università degli Studi di Milano, 2015. http://hdl.handle.net/2434/337358.

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This thesis includes three empirical chapters. The chapters analyze different elements that affect the lending behavior of banks, particularly during the crisis period. The recent global financial crisis highlighted the central role of financial intermediaries’ stability in assuring a smooth transmission of credit to borrowers. In this thesis, I show that factors, such as the structure of the banks’ balance sheet and the country level particularities such as banking sector concentration significantly affect the banks’ lending behavior and lending channel.

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Zhao, Yongsheng. "The financial reforms in China : from an institutional view." Thesis, Paris 1, 2015. http://www.theses.fr/2015PA010024.

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La finance est un élément crucial pour une Chine en pleine évolution après trois décennies de réforme et d’ouverture, cette thèse vise donc à analyser les réformes financières en Chine du point de vue institutionnel. Après la tentative de décrypter le ‘puzzle’ entre la finance et la croissance, on a abordé les réformes des institutions financières en Chine et les efforts du gouvernement d’adopter les réformes focalisées à l’accès de l’OCM ; on a aussi analysé les prêts non-performants (NPLs), un problème épineux pour les banques (SOBs) et/ou entreprises (SOEs) étatiques chinoises sans oublier

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Michlová, Veronika. "Defaulty domácností jako indikátor finanční stability." Master's thesis, Vysoká škola ekonomická v Praze, 2011. http://www.nusl.cz/ntk/nusl-114012.

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This thesis deals with the default of households as one of the indicators of financial stability in the Czech Republic. Specifically, it studies increasing indeptedness of households and risks which endanger financial system. The aim is to analyze the main macroeconomic and microeconomic factors that affect households default and to determine their dependence on the non-performing loans. The conclusion summarizes the results of the thesis and suggests recommendations for central and commercial banks.

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KARBULKOVÁ, Hana. "Rozvoj služeb v neziskové organizaci." Master's thesis, 2007. http://www.nusl.cz/ntk/nusl-46959.

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In my Diploma work there are evaluated possibilities of non-profit-making organization`s developement on a case study of Salesian seminary {--} Youth centre in Ceske Budejovice. To reach the goal, there were analysed following aspects: history and nowadays conditions of organisation, analysis of contemporary developement and also the quality of service performation. Another analysis evaluated human resource management and improoving of performing service, the maintenance of contemporary financing and fundraising. Salesian seminary should concentrate on increasing of both human resource managem

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7

Kuo, Yi-Hui, and 郭怡慧. "The assessmentofthe Non-Performing loans of the financial institutions." Thesis, 2005. http://ndltd.ncl.edu.tw/handle/03481602777060330427.

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碩士<br>國立中央大學<br>財務金融學系碩士在職專班<br>93<br>Abstract Ever since bank privatization in 1991, bankers tried to gain customers turned furious by ways of price war and even ignoring credit risks. What it caused was not only the extreme predicament for the overall banking industrial, but also the increasing rate of NPL (non-performing loans). In particular, the NPL ratio reached 11.27% in 1991. However, the non-government owned research organizations indicated that the NPL ratio was actually more than 20% The huge amount of non-performing loans causes the quality deterioration of banking assets, as we

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8

Chen, Lie-Long, and 陳麗蓉. "On Dealing with Non-performing Loans of Financial Institutions." Thesis, 2011. http://ndltd.ncl.edu.tw/handle/17039763408702646570.

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碩士<br>國立高雄第一科技大學<br>金融研究所<br>99<br>Banks often overlook risks in pursuing customers. In case of economic downturn and rising overdue loans, bank lending tends to be conservative, resulting in funding shortages for businesses with great impacts on the economy. Therefore, preventing the occurrence of overdue loans and accelerating the handling of nonperforming are important issues for the government. This paper explores the ways to prevent overdue loans and the handling of nonperforming loans, restoring the overall financial health of banks and socio-economic order.

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Su, Li-Shan, and 蘇麗香. "On Financial Institutes’ Dealing with Non-performing Loan and Its Securitization." Thesis, 2005. http://ndltd.ncl.edu.tw/handle/60834972040397304624.

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碩士<br>國立高雄第一科技大學<br>金融營運所<br>93<br>This paper explores the dealing with non-performing loan via examining foreign cases. Securitization of non-performing loan could create cash flow and investment gains. On the other hand, the price of those assets may recover when the economy makes progress. By looking at some cases of securitization of non-performing loan, we may find a mechanism with that kind of asset, improving the asset quality of financial institutes and enhancing the development of industries.

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LEE, CHIH-JEN, and 李智仁. "Legal Research on Disposal of Failing Financial Institutions and Non-Performing Assets." Thesis, 2003. http://ndltd.ncl.edu.tw/handle/82681283907109243329.

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碩士<br>國立臺北大學<br>法學系<br>91<br>The role of financial institutions is to act as a financial intermediary by providing and assisting enterprises with the funding needed for their operations. However, in recent years, the troubled conditions of financial institutions have begun to gradually surface due to the downturn in the domestic economy, fierce competition within the banking industry, weak internal control, along with the impact of the worsening global economy. The heart of the problem lies in how to properly dispose problem financial institutions and their non-performing assets. This study

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Lung, Chung Yao, and 鍾耀隆. "Research on The Securitization of Non-Performing Loans in Taiwan''s Financial Institutions." Thesis, 2004. http://ndltd.ncl.edu.tw/handle/z8xpzc.

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碩士<br>輔仁大學<br>金融研究所<br>92<br>Abstract There were many reasons resulted in Financial Crisis , such as ,the huge deficit in the balance of international payment , lots of currency debt ,and Financial Institution’s crisis. Therefore, the inappropriate operation and management of financial institution will cause the economic chaos. As a member of WTO (World Trade Organization), Taiwan government was more concerned in the operation and management of financial institutions and non-performing loans (NPLs) . Currently, the government priority for the financial reform is to lower the ratios

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Chen, Keen Shin, and 陳可欣. "ROC financial institution''s classification and deposal method of the non-performing loans." Thesis, 2002. http://ndltd.ncl.edu.tw/handle/49252801004160836392.

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碩士<br>國立臺北大學<br>企業管理學系<br>90<br>Abstract Financial institution is a adjust institution between creditor and loaner . If financial institution can do its duty , social fun can operate successfully and international economic can develop soundly . If financial institution has a lot of NPL , it not only lower the liquidity of fund , but also can’t recover financial assets . It also makes enterprise lead to its fund shortage and influence the credit quality of financial institution . due to tremendous change of international financial environment, our domestic economics structure is faci

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Hsueh, Hui-Ting, and 薛惠婷. "The Study on the Non-linear Effects of Non-performing Loans on Bank''s Financial Performance." Thesis, 2014. http://ndltd.ncl.edu.tw/handle/26207123133834430099.

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碩士<br>淡江大學<br>財務金融學系碩士班<br>102<br>The purpose of this study is to investigate the effect of non-performing loans ratio on the performance of banks by using panel smooth transition regression model which introduced by Gonzalez, Terasvirta and van Dijk (2004, 2005). Our samples consist of 21 Banks during the period of 2007 to 2013.Indicators like return on assets and return on equity are used to measure the financial performance. This empirical study will apply non-performing loans ratio as transfer variables. Furthermore, it uses loan loss coverage ratio, loan to deposit ratio and loan growth r

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Chien-liang, Wu, and 吳建良. "The Effects of Capital Adequacy and Non-performing Loans Ratio on Bank’s Financial Performance." Thesis, 2004. http://ndltd.ncl.edu.tw/handle/68241923943094625006.

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碩士<br>世新大學<br>經濟學系<br>92<br>The purpose of this paper is to investigate the risk management and financial crisis in Taiwan’s local bank industry. Three variables are considered in this study, including financial crisis (i.e. non-performing loans ratio and IR index), the risk management (i.e. the CA ratio and price to book ratio) and the operation situation of banks (i.e. the ROA, ROE, Profit Margin, EBIT and EPS).We also use the operation scope, time, elements and government’s policy as control variables. The empirical samples are collected from 34 listed banks located in Taiwan’s area. The sa

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Chen, May-Jane, and 陳美娟. "The study of legal norms of the financial institutions dealing with non-performing loans." Thesis, 2011. http://ndltd.ncl.edu.tw/handle/79810544924567555772.

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碩士<br>國立臺灣海洋大學<br>海洋法律研究所<br>99<br>Abstract By the very nature of credit-providing, risk management is of paramount importance for the banking institutions. This is because during the bad times of the economy,the asset quality of the banking institutions is always the first to suffer. Furthermore,if the credit-providing operation involved improper or evenill-intended risk management, the problem of non-performing loans(NPLs)will surface,posing a serious threat to the overall well-being of the banking institutions concerned. In addition, the proper functioning of the financial industry not onl

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秦慧君. "A Study of the Securitization of Non-Performing Loans--Focus on the Financial Restructuring Fund." Thesis, 2004. http://ndltd.ncl.edu.tw/handle/78489322487416096392.

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WU, TUNG-YI, and 吳東易. "A Study on the Legal Framework of Financial institutions non-performing assets made in China." Thesis, 2019. http://ndltd.ncl.edu.tw/handle/72685q.

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碩士<br>東吳大學<br>法律學系<br>107<br>Since 2008, in order to minimize the impact of global financial crisis, the mainland China’s government expanded its domestic demand with large loans, resulting in the rising ratio of non-performing loan (hereinafter as NPL) to date. In recent years, mainland China’s overall economic slowdown, the increase in financial NPL, the emergence of shadow banking as well as the rise of online banking has increased the risks faced by Taiwan-invested financial institutions in mainland China. Thus, the objective of this thesis is to discuss the occurrence, status quo and mana

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魏福全. "A Study on Non-Performing Loans in Financial Institutions--The Case of Farmers Bank of China." Thesis, 2004. http://ndltd.ncl.edu.tw/handle/80671416180015945723.

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碩士<br>國立中興大學<br>高階經理人碩士在職專班<br>92<br>Although the solution of bad loans is not the only issue, it is indeed the key one for financial reform. The object of this research is the Farmers’ Bank of China an agriculture-professional bank. This study aims to analyze the influential factors which lead to difficulty for agricultural operations, decrease of farmers’ income and rising of bad loans. These factors include agricultural environment to the changes of political situations and Taiwan’s entrance to WTO. The respondents of the questionnaire of this research were the 28 branches of the

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Hsieh, Dung-Shing, and 謝東興. "The Study of the Relationships among Non-performing Loan Ratio, Financial Ratios and Domestic Economic Factors." Thesis, 2015. http://ndltd.ncl.edu.tw/handle/26097131795713933520.

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碩士<br>銘傳大學<br>財務金融學系碩士在職專班<br>103<br>For a long time, banking system has played a role as the financial intermediary to absorb excess funds and lend those to fund demanders. However, since new banking law adopted in 1990, which gradually relaxes the financial control for opening new banks, commercial banks for increasing market share and profitability, coupled with poor management and credit quality of the bank''s internal oversight, have resulted in the deterioration of quality of commercial banks’ assets. Since the 1997 Asian financial crisis, non-performing loan ratio has increase

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Yang, Chih-Peng, and 楊志鵬. "The Political Economy of China’s Financial Non-Performing Loans: The Role of Central Government after 1979." Thesis, 2003. http://ndltd.ncl.edu.tw/handle/98538624233927797330.

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碩士<br>國立成功大學<br>政治經濟學研究所專班<br>92<br>After more than twenty years of reform of financial system, China’s rapid economic growth have experienced by the transformation from unitary banking system to comprehensive banking system. The findings show that China’s financial reform gains significant accomplishment, but NPL produced by nationalized commercial bank and nationalized enterprise constitute a potential heavy barrier to further rapid economic growth. The relationship among central government, nationalized commercial bank and nationalized enterprise explains the formation of NPL.

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Chen, Ya Chi, and 陳雅琪. "An Analysis of the Key Factors That Affect the SMEs’ Non-Performing Loans of Financial Institutions." Thesis, 2012. http://ndltd.ncl.edu.tw/handle/zz9vs7.

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碩士<br>國立虎尾科技大學<br>經營管理研究所在職專班<br>100<br>Credit granting is one of the services offered by banks and overdue loan is a crucial indicator that reflects the quality of credit granting. There are strict rules regulating credit management in the bank. However, they are often impractical when applied in the actual execution. This results in the increase of NPL (Non-Performing Loans) ratio and leads to bad debt loss. Several banks in the country still maintain a low NPL ratio. Therefore, the purpose of this research is to understand bank credit granting in practice and determine the key influential f

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Jusufi, Gent. "The impact of macroeconomic factors on financial institutions credit risk during the global financial crises, case in Czech Republic." Master's thesis, 2012. http://www.nusl.cz/ntk/nusl-304808.

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This study aims to estimate the ratio of non-performing loans to total loans (NPL ratio), its determinants and its response to different macroeconomic shocks. As the last financial crises had negative impact on the economy of many countries of the world, we have to strive for preventive measures that would help us to fully or at least partly avoid future crises. It should be achieved by sound risk management practices of all financial institutions. Important part of these risk management practices shall be - among others - stress tests that would test the health of the institution under severe

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Lee, Yun-Cian, and 李昀蒨. "A Study upon the Legal Regime and Control of Non-Performing Loans of Financial Institutions in Taiwan." Thesis, 2012. http://ndltd.ncl.edu.tw/handle/14562172951201806677.

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碩士<br>國立臺灣海洋大學<br>海洋法律研究所<br>100<br>The purpose of this thesis is “A Study upon the Legal Regime and Control of Non-Performing Loans of Financial Institutions in Taiwan.” Recently, government is promoting financial liberalization and internationalization positively. Government deregulates and lifts the control operation of financial institutions, in order to enhance the operation performance of financial institutions. However, the financial monitoring and inspection system does not elevate at the same time, the risk management of banking is still on the immature stage. Under the free market co

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盧文正. "The assessment of the Non-Performing loans of the financial institutions~ Taking the Taichung Bank as an Example ~." Thesis, 2008. http://ndltd.ncl.edu.tw/handle/68822509245738844576.

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碩士<br>國立彰化師範大學<br>企業管理學系國際企業經營管理<br>96<br>ABSTRACT This research is searching the banking sector, protected by the government law before 1981, had great profits in interest rates. Consequently, as soon as new banks in the banking sector were allowed to be set up, new banks have emerged in a considerable number. As a result, the competition has become more intense day by day and the non-performing loan ratio is rising higher than ever due to slow and stagnant business. The operation performances of banks have been on the decline year by year. . After 1997, Taiwan faced the economic slowdown, in

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CHAO, WEN-HSIU, and 趙文秀. "A Study on the Non-Performing Loans’ Legal Systems of the Financial Institutions in Mainland China and Taiwan." Thesis, 2017. http://ndltd.ncl.edu.tw/handle/3j38f6.

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碩士<br>東吳大學<br>法律學系<br>105<br>Economic developments of the nation complement and supplement its financial institutions, among which banking plays the most important role as financial intermediate institutes. In Taiwan, the business of banking used to generate large amounts of non-performing loans due to keen competition and improper loans. Other than causing the aggravation of quality regarding banking assets, routine banking operations are also influenced, which had a great effect upon economic stability and development of the nation. The government at that time took all sorts of measures to a

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Yu-kun, Ho, and 何玉崑. "Research on Preventing Non-Performing Loans Effectively and Speeding Write-offs Methods of Agricultural Financial Institutes In Taiwan." Thesis, 2007. http://ndltd.ncl.edu.tw/handle/86816272932777507778.

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碩士<br>國立屏東科技大學<br>農企業管理系所<br>95<br>Agricultural finance, which belongs to the scope of specific finance in nature, has established for the demand and development of agriculture, and provided the way to support or seek for funding. Since 1990’s, due to some external factors, financial liberalization and internationalization, and so on, the quality of assets of the agricultural financial institutes have gotten worse, and the ratio of non-performing loan (NPL) has increased continually. They have been in a predicament on the management performance, and have not developed agricultural financial fu

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Lin, Sheng-Mao, and 林盛茂. "The Study On Non-Performing Loans Treatment And Its Relationship With Financial Industry And Economic Development:A Cross-Border Comparison." Thesis, 2015. http://ndltd.ncl.edu.tw/handle/33b978.

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碩士<br>國立中山大學<br>高階經營碩士班<br>103<br>Financial Institutions play an important role and function in financial intermediary; they take deposit and issue loans, providing businesses and individuals funds to help them run a business or invest housing market. It is normal that a few cases of non-performing loans appear due to poor company performance, personal investment failure or bank’s internal negligence. However, when banks are affected by the external factors, such as economic depression, financial crisis caused by the burst of real estate and stock bubbles, and poor internal risk management, th

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Lee, Chien-yao, and 李建瑤. "The Impact of Non-Performing Loans on the Operating Performance of Domestic banking industry: Evidence from the Global Financial Crisis." Thesis, 2012. http://ndltd.ncl.edu.tw/handle/04081574174038341221.

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碩士<br>國立高雄第一科技大學<br>金融研究所<br>100<br>The main purpose of this study is to investigate the impact of non-performing loans on operating performance of domestic banks. Additionally, this study incorporates the dummy variable into the regression model to examine if there has been a structural change concerning the influence of non-performing loans on operating performance of domestic banks during the global financial crisis. 　　Empirical results show that non-performing loans have a significant negative impact on banks’ operating performance. Furthermore, the banks’ sizes have a significant positive

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Su, Hung-hsi, and 蘇鴻璽. "The Impact of Macroeconomic Factors on the Non-Performing Loans Ratio of Domestic Banking Industry: Evidence from the Global Financial Crisis." Thesis, 2012. http://ndltd.ncl.edu.tw/handle/80230220873601947499.

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碩士<br>國立高雄第一科技大學<br>金融研究所<br>100<br>This study investigates the impact of macroeconomic factors on non-performing loans (NPL) ratio of domestic banks. Additionally, this study uses the dummy variable to examine if a structural change concerning the influence of macroeconomic factors on the NPL ratio has occurred during the global financial crisis. The empirical results indicate that the unemployment rate and the weighted average interest rates of five banks have a significant and positive impact on the NPL ratio of domestic banks. This study also found that both the M1B and the total scores of

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Wang, Chia-Ming, and 王嘉銘. "Study on the Non-Performing Loans (NPLs) of the Financial Institutions in Taiwan─Initiated from the Case-Study on the Taiwan Asset Management Corporation (TAMCO)." Thesis, 2002. http://ndltd.ncl.edu.tw/handle/17202470896019164200.

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碩士<br>中原大學<br>會計研究所<br>90<br>Recently, percentage of Non-performing Loan (NPL) increases rapidly in financial institutions in Taiwan. Therefore, our government had no choice but start to resolve the NPL problems. Due to Asset Management Company (AMC) mechanism being just implemented on an initial stage, it’s to be sure that there would be more controversies as transactions become more frequent. The main purpose of this research is to study the present NPL conducting mechanism to confer with Taiwan Asset Management Corporation (TAMCO) as a case study in practice. Furthermore, this research comp

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Kroupa, Jan. "Zadlužení domácností a finanční stabilita: empirická analýza pro ČR." Master's thesis, 2014. http://www.nusl.cz/ntk/nusl-332258.

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This thesis studies interconnections between macroeconomic environment and non-performing loans ratio (NPL) of banking loans provided to households in the Czech Republic in years 2005-2014. This analysis serves as tool for macroprudential policy to detect potential risks before negative consequences occur. The thesis examines mutual relations between households' non-performing loans ratio and variables capturing macroeconomic environment such as GDP growth, unemployment rate, CPI, interest rate and exchange rate. For purposes of this analysis, vector autoregressive approach and vector error co

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Okachi, Michinao. "Essays on Sovereign Debt Crisis." Phd thesis, 2017. http://hdl.handle.net/1885/141436.

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This thesis consists of three chapters that aim to develop economic models to explain sovereign debt crises. Chapter 2 provides the dynamic general equilibrium model of endogenous sovereign default, incorporating financial intermediaries. By a government's decision to default, government bonds become non-performing and financial intermediaries eliminate them from their net worth. While other literature on endogenous default models assumes that the default state is exogenously given, only depending on TFP or endowment, the model in Chapter 2 creates a

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Šimečková, Jana. "Macroeconomic stress-testing of banking systems: survey of methodologies and empirical application." Master's thesis, 2011. http://www.nusl.cz/ntk/nusl-298350.

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This thesis deals with stress testing as a process that helps to assess the impact of potential adverse shocks on the soundness of a financial system. First section is dedicated to non-technical discussion about stress testing and to some methodological issues. The main focus lies on the system-wide macroeconomic stress testing. The empirical part of the thesis is a contribution to macroprudential analysis of the quality of the aggregate loan portfolio in the Czech Republic. This study adopts a vector autoregression model applied to the Czech banking sector in order to judge its stability and

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Pestana, Francisco Miguel Ferreira Fernandes Ornelas. "Crédito bancário concedido a empresas: o caso português." Master's thesis, 2016. http://hdl.handle.net/10071/14136.

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O principal objetivo deste projeto passa por analisar o crédito bancário concedido por parte do Banco Santander Totta, S.A., da Caixa Geral de Depósitos, S.A., do Banco Português Internacional, S.A. e do Banco Comercial Português S.A., no período de 2012 a 2014. O estudo incide nos valores apresentados pelas referidas instituições nas Rúbricas de crédito a clientes na sua versão macro, e numa versão micro, na repartição de financiamento por sectores de atividade e na análise do crédito malparado em função do crédito concedido correspondente. A análise mais micro visa identificar padrões d

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Perfeito, Joana Catarina Vilhena. "Determinantes macroeconómicas do crédito em incumprimento nos bancos portugueses." Master's thesis, 2020. http://hdl.handle.net/10071/21117.

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Face à extrema importância do crédito em incumprimento nos bancos e na economia, e ao facto de ainda não haver um estudo específico para bancos portugueses, esta dissertação tem como principal objetivo observar o comportamento das determinantes macroeconómicas, e variáveis microeconómicas específicas de instituições financeiras, na evolução do crédito em incumprimento nos bancos portugueses, no período compreendido entre 2009 e 2018 (influenciado pela crise financeira), interpretar quais as determinantes que mais influenciam este rácio nos principais 24 bancos portugueses, através de num

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Munangi, Ephias. "The impact of credit risk on financial performance of South African banks." Diss., 2020. http://hdl.handle.net/10500/26675.

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Abstracts in English, Zulu and Xhosa<br>The banking sector is an important industry that needs to be safeguarded because its failure is bound to have a negative knock-on effect on the economy at large. The 2007-2009 financial crises were occasioned by banks assuming disproportionate levels of risk resulting in a high incidence of non-performing loans on their books. As such, this study examined the impact of credit risk on the financial performance of 18 South African banks for the period 2008 to 2018. Panel data techniques, namely the pooled ordinary least squares (pooled OLS), fixed effects

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Marques, António Manuel Martins. "Relação entre a evolução do rácio de crédito vencido e as variáveis macroeconómicas e financeiras em Portugal." Master's thesis, 2017. http://hdl.handle.net/10071/15383.

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Este trabalho analisou a influência das variáveis macroeconómicas e financeiras na evolução do rácio de crédito vencido em Portugal, dividido em duas componentes, empresas e particulares. Foram obtidos dados mensais, de janeiro de 2000 a abril de 2017. Foram utilizados modelos VAR, com análise das funções impulso – resposta, estudo da causalidade à Granger e decomposição de variância. Foram construídos dois modelos principais, um para empresas e outro para particulares, com base nos resultados dos testes de estacionaridade, e foram construídos mais dois modelos alternativos, com parte da

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Yin, Xiaoke. "Determinantes do crédito malparado das famílias." Master's thesis, 2018. http://hdl.handle.net/10071/17370.

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Este estudo tem como objetivo analisar os determinantes do incumprimento de crédito à habitação e verificar qual o seu impacto na concessão de crédito à habitação. Foi realizado um estudo econométrico sobre os principais determinantes do incumprimento de crédito à habitação - a taxa de desemprego, o rendimento disponível das famílias e a taxa de juro de crédito à habitação, com as variáveis rácio de crédito habitação vencido e crédito à habitação. Os dados do estudo são trimestrais e uma duração do primeiro trimestre de 2003 até ao último trimestre de 2016. Entre as conclusões obtidas n

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Assunção, Inês Filipa Sousa de. "Fatores envolventes do crédito malparado no setor bancário português." Master's thesis, 2019. http://hdl.handle.net/10071/19521.

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“O que faz de Portugal um dos piores países europeus ao nível do crédito vencido e quais os fatores que intensificam a discrepância vivida face à União Europeia?” O estudo realizado visa caracterizar e enquadrar o crédito malparado existente no balanço dos bancos portugueses, entre 2007 e 2017. De forma a realizar o proposto foi utilizado o estimador GMM na estimação de quatro painéis: (A) Globalidade da União Europeia, (B) Banca Portuguesa, (C) os dois países com menos propensão a enfrentar risco de crédito (Reino Unido e Suécia) e (D) os dois com mais propensão (Itália e Grécia) da Uni

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Erasmus, Coert Frederik. "Determinants of asset quality in South African banks." Thesis, 2018. http://hdl.handle.net/10500/25138.

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The maturity transformation of deposits is a primary driver of economic growth, as loans enable borrowers to spend funds, thereby growing the economy. However, if borrowers cannot repay their loans, the asset quality of banks deteriorate, resulting in non-performing loans or, worse, an economic crisis. An understanding of how macroeconomic and microeconomic determinants impact bank asset quality in South Africa can contribute to knowledge of the bank asset quality phenomenon in the African context. Due to the 2008/2009 global financial crisis, the introduction of new legislation and the value

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