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Dissertations / Theses on the topic 'Provision of bank loans'

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Published: 30 May 2022

Last updated: 31 July 2025

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1

Choi, Diana. "The Effect of Bank Audit Committee Financial Experts on Loan Loss Provision Timeliness." The Ohio State University, 2018. http://rave.ohiolink.edu/etdc/view?acc_num=osu1531825061474902.

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2

Nicoletti, Allison Kathleen. "The Effects of Auditors and Regulators on Bank Financial Reporting: Evidence from Loan Loss Provisions." The Ohio State University, 2016. http://rave.ohiolink.edu/etdc/view?acc_num=osu1468571167.

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3

Lim, Chu Yeong. "Three empirical essays on bank accounting." Thesis, University of Manchester, 2013. https://www.research.manchester.ac.uk/portal/en/theses/three-empirical-essays-on-bank-accounting(4cbd4150-4bdb-4947-8759-9bbc9f415563).html.

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This thesis presents new empirical evidence on three important aspects of financial reporting by banks. The thesis consists of an introductory chapter that explains how the three issues are related to each other, three empirical chapters and a final summary chapter. The first empirical chapter studies the effects of accounting conservatism on the pricing of syndicated bank loans. I provide evidence that banks more timely in loss recognition charge higher spreads for the same loan provision. I go on to consider what happens to this relationship during the financial crisis. During the crisis, ba

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4

Lazareva, E. "Modern problems of the investment bank loans." Thesis, Ukrainian Academy of Banking of the National Bank of Ukraine, 2009. http://essuir.sumdu.edu.ua/handle/123456789/61270.

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One of the most important functional forms of bank credits is an investment. Commercial banks, mortgage banks, development banks and some other credit and financial institutions provide investment to entrepreneurs for the implementation of various innovative projects. This form of bank credits plays a crucial role in the development of a market economy.

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5

Khosravi, Taha. "The bank lending channel : an empirical assessment of measures to stimulate bank lending in the European Union." Thesis, University of Sussex, 2018. http://sro.sussex.ac.uk/id/eprint/75171/.

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This thesis first examines the role of banks in the transmission mechanism of monetary policy by focusing on the eight European new member States of Central and Eastern Europe over the 2004-2013 period. We specifically investigate the influence of monetary policy changes on bank lending activity and if this potential influence is contingent on bank characteristics, such as banks' size, capital, liquidity, risk factor and market power. Moreover, we focus on the prospective role of banks in the monetary policy transmission mechanism in order to reveal any clear trends in banks' lending behaviour

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6

Nys, Emmanuelle. "Service provision and bank interest margins." Limoges, 2003. http://aurore.unilim.fr/theses/nxfile/default/bda23b6f-98e8-4321-9b04-ee313bfe26f9/blobholder:0/2003LIMO0497.pdf.

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Given the increasing share of non-interest income, the motivation behind this thesis is to understand how the major changes that took place in the banking industry may have affected banks' intermediation activity. The review of literature shows that the price setting of intermediation activity, the role of risk within this setting and the multi-production of banks have not been considered conjointly. After an empirical survey, we carry out our own test about the determinants of bank margins in Europe. We include fees as an explanatory variable, and find a negative impact of this variable on th

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7

Kobylski, Gerald C. "A method for accounting for risk in lending." Thesis, Georgia Institute of Technology, 1997. http://hdl.handle.net/1853/24325.

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8

Buddhavibul, Pati. "Bank lending in contemporary Thailand." Thesis, University of Aberdeen, 2010. http://digitool.abdn.ac.uk:80/webclient/DeliveryManager?pid=128215.

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The nature of the Thai banking system in the pre-crisis era has been of great interest in the aftermath of Thailand’s 1997 financial crisis. Scores of studies have put great emphasis on the factors contributing to the crisis. There has been scant prior research on how Thai banks operate in practice since the crisis and the researcher was interested in better understanding this, particularly how the banks deal with information-related problems. The main objective of the research is to give an insight into the actions that Thai bankers carry out and how their activities are perceived by corporat

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9

Posey, Raymond L. "Analysis of the terms of bank lending and risk management three essays on small business loans /." Cleveland, Ohio : Cleveland State University, 2010. http://rave.ohiolink.edu/etdc/view?acc_num=csu1268432575.

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Thesis (Ph.D.)--Cleveland State University, 2010.<br>Abstract. Title from PDF t.p. (viewed on Mar. 24, 2010). Includes bibliographical references (p. 140-141). Available online via the OhioLINK ETD Center and also available in print.

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10

Barkley, David L., and Peter E. Helander. "The Role of Commercial Bank Loans in Nonmetropolitan Economic Development." College of Agriculture, University of Arizona (Tucson, AZ), 1985. http://hdl.handle.net/10150/602137.

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11

Yao, Xiao. "Modelling loss given default of corporate bonds and bank loans." Thesis, University of Edinburgh, 2015. http://hdl.handle.net/1842/26020.

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Loss given default (LGD) modelling has become increasingly important for banks as they are required to comply with the Basel Accords for their internal computations of economic capital. Banks and financial institutions are encouraged to develop separate models for different types of products. In this thesis we apply and improve several new algorithms including support vector machine (SVM) techniques and mixed effects models to predict LGD for both corporate bonds and retail loans. SVM techniques are known to be powerful for classification problems and have been successfully applied to credit s

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12

Brenner, Petra Josephine. "Non-performing Loans eine Analyse aktueller Rechtsfragen." Berlin Duncker & Humblot, 2009. http://d-nb.info/999631942/04.

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13

António, Pedro Afonso Gomes. "Bank-firm relationships and financial crisis." Master's thesis, NSBE - UNL, 2010. http://hdl.handle.net/10362/10334.

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A Work Project, presented as part of the requirements for the Award of a Masters Degree in Finance from the NOVA – School of Business and Economics<br>This Working project examines if the shock of financial events, during the recent financial crisis, impacted differently on bank-dependent firms and firms with access to the public debt market. I devote a special attention to the Lehman Brothers bankruptcy event and its effect on U.S. and European firms. Given the global integration of the financial sector, I investigate the propagation of financial shocks from one economy to another. I also stu

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14

Foo, Wing-yan Polly. "Sources of financing for Hong Kong small business start-ups /." Hong Kong : University of Hong Kong, 1997. http://sunzi.lib.hku.hk/hkuto/record.jsp?B18831424.

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15

Hijazi, Bassem. "Bank Loans as a Financial Discipline: A Direct Agency Cost of Equity Perspective." Thesis, University of North Texas, 2006. https://digital.library.unt.edu/ark:/67531/metadc5411/.

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In a 2004 study, Harvey, Lin and Roper argue that debt makers with a commitment to monitoring can create value for outside shareholders whenever information asymmetry and agency costs are pronounced. I investigate Harvey, Lin and Roper's claim for bank loans by empirically testing the effect of information asymmetry and direct agency costs on the abnormal returns of the borrowers' stock around the announcement of bank loans. I divide my study into two main sections. The first section tests whether three proxies of the direct agency costs of equity are equally significant in measuring the direc

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16

Bruns, Volker. "Who receives bank loans? A study of lending officers' assessments of loans to growing small and medium-sized enterprises." Doctoral thesis, Internationella Handelshögskolan, Högskolan i Jönköping, IHH, Företagsekonomi, 2004. http://urn.kb.se/resolve?urn=urn:nbn:se:hj:diva-178.

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This thesis explores factors that influence lending officers' assessments of credit requests from growing small and medium-sized enterprises (SMEs). Building on asymmetric information theory, factors identified in previous research are grouped into the theoretical categories of risk-assessment, risk-alignment, and risk-shifting. Hypotheses are developed as to what influences lending officers' credit assessments. In addition, it is hypothesized that risk-taking proclivity interacts with other variables. A conjoint experiment involving 114 lending officers is used to test the hypotheses, which a

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17

Ghosh, Sudip. "Risk based capital requirements and the U.S. loan market." Morgantown, W. Va. : [West Virginia University Libraries], 1999. http://etd.wvu.edu/templates/showETD.cfm?recnum=853.

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Thesis (Ph. D.)--West Virginia University, 1999.<br>Title from document title page. Document formatted into pages; contains vi, 175 p. : ill. Includes abstract. Includes bibliographical references (p. 173-175).

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18

Yamashiro, Guy Matsuo. "Disaggregated systems and the monetary transmission mechanism /." Diss., Connect to a 24 p. preview or request complete full text in PDF format. Access restricted to UC campuses, 2001. http://wwwlib.umi.com/cr/ucsd/fullcit?p3026375.

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19

Tasic, Nikola. "Financial intermediation and economic growth bank credit maturity and Its determinants /." unrestricted, 2007. http://etd.gsu.edu/theses/available/etd-11302007-000122/.

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Thesis (Ph. D.)--Georgia State University, 2007.<br>Title from file title page. Neven T. Valev, committee chair; Sally Wallace, Vassil T. Mihov, Felix K. Rioja, Shiferaw Gurmu, committee members. Electronic text (105 p. : ill.) : digital, PDF file. Description based on contents viewed June 19, 2008. Includes bibliographical references (p. 98-104).

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20

Masood, Omar. "Non-performing bank loans and banking crisis in the Pakistani banking system." Thesis, London Metropolitan University, 2004. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.426494.

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21

Andrade, Rodrigo Augusto Silva de. "Creditor's protection and bank loans: lack of competition hampers bankruptcy reform's effects." reponame:Repositório Institucional do FGV, 2015. http://hdl.handle.net/10438/14090.

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Submitted by Rodrigo de Andrade (rodrigo.andrade@bcb.gov.br) on 2015-09-23T15:12:37Z No. of bitstreams: 1 EESPTeseRASdeAndrade.pdf: 1266696 bytes, checksum: 1b719b6fe0e4fb6ec5f537e62599baab (MD5)<br>Rejected by Suzinei Teles Garcia Garcia (suzinei.garcia@fgv.br), reason: Boa tarde Rodrigo, Por favor, tirar o acento da palavra Getulio. Obrigada. Suzi 3799-7876 on 2015-09-23T17:38:24Z (GMT)<br>Submitted by Rodrigo de Andrade (rodrigo.andrade@bcb.gov.br) on 2015-09-23T18:04:47Z No. of bitstreams: 1 EESPTeseRASdeAndrade.pdf: 1265756 bytes, checksum: 82c4e08660eaa9502491828c36fba380 (MD5

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22

Jacobs, Starkey Linda. "Nutrition and sociodemographic characteristics of Montreal food bank provision recipients." Thesis, National Library of Canada = Bibliothèque nationale du Canada, 1999. http://www.collectionscanada.ca/obj/s4/f2/dsk1/tape9/PQDD_0023/NQ50192.pdf.

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23

Starkey, Linda Jacobs. "Nutrition and sociodemographic characteristics of Montreal food bank provision recipients." Thesis, McGill University, 1999. http://digitool.Library.McGill.CA:80/R/?func=dbin-jump-full&object_id=35899.

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Parallel to the widening gap between high and low income status in Canada has been the increasing number of individuals and families accessing community food banks. In the 1990's, food security reached the national agenda for action, yet no study had described the nutrition and sociodemographic characteristics of a random sample of food bank provision recipients, specifically their nutrient intake throughout the month or at the end of the month when food and money are thought to be most limited. Preliminary studies, at two sites identified the contents of food bank provisions and the clientele

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24

Wyrwol, Ivan. "Analýza vývoje největších českých bank v novém tisíciletí." Master's thesis, Vysoká škola ekonomická v Praze, 2011. http://www.nusl.cz/ntk/nusl-113295.

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This thesis focuses on the problem of banking sector in the Czech Republic. The aim is to determine, whether the Czech banking sector is stable and healthy. The analysis is performed on the example of three largest banks since their privatization until now. In my work, I found out how banks due to adjusting from toxic assets and subsequent sale to foreign investors became successful companies, that withstand the financial crisis in the years 2007 - 2009, and every year can generate relatively high profit. Decomposition on the individual components are identified as the main sources of profit a

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25

Kuan-PuWang and 王冠卜. "Determinants of bank loan loss provisions for consumer mortgage loans in Taiwan." Thesis, 2015. http://ndltd.ncl.edu.tw/handle/28074300122402398415.

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碩士<br>國立成功大學<br>財務金融研究所碩士在職專班<br>103<br>Financial Supervisory Commission of Taiwan in 2007 mandated the banks in Taiwan to disclosure the quality in mortgage loans. According to the pro-cyclical hypothesis, when the economy is in the periods of upturns, the probability of default decreases and banks will provision less on consumer mortgage loans. The empirical results of this study indicate that, in the period from 2008Q2 to 2014Q4, loan loss provisions (LLPs) for consumer mortgage loans have no predictive power for the prices of real estate and economic conditions. It suggests LLPs for consum

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26

Li, Kun-Hung, and 李昆鴻. "The Behavior of Bank Earnings Management:From the Provision for Loan Loss." Thesis, 2011. http://ndltd.ncl.edu.tw/handle/20506668590084692398.

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碩士<br>國立暨南國際大學<br>財務金融學系<br>99<br>This study based on Chien-An Wang et al. who consider Provision for Loan Loss(PLL) is one of risk management to discuss two topic:(1)the timing of bank’s PLL that include Government Regulation,M&A and Executive management change,whether managers have a motive to increase PLL.(2)To observe bank’s asset quality that we focus on mortgage,and discuss relationship between housing Loan Loss Reserve(LLR) and real estate cycle:procyc -licality or anticyclicality,to forecast real estate cycle. The results :(1) Government Regulation effect bank’s PLL obviously,but we c

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27

Абрамова, О. О. "Роль забезпечення в процесі управління кредитним ризиком банку". Thesis, 2017. http://dspace.oneu.edu.ua/jspui/handle/123456789/6234.

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Метою дипломної роботи є аналіз науково-методичних підходів і розробка практичних рекомендацій щодо ефективності управління забезпеченням банківських позичок.<br>Целью дипломной работы является анализ научно-методических подходов и разработка практических рекомендаций по эффективности управления обеспечением банковских ссуд.<br>The purpose of the thesis is to analyze scientific and methodological approaches and to develop practical recommendations on the effectiveness of managing the provision of bank loans.

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28

Wangmo, Chokey. "Small and Medium Enterprise (SME) Financing Constraints in Developing Countries: A Case Study of Bhutan." Thesis, 2016. https://vuir.vu.edu.au/32635/.

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Small and medium sized enterprises (SMEs) play a crucial role in the socio-economic development of a country through business opportunities, employment generation and poverty alleviation. However, constraints on the provision of finance to SMEs is a key challenge faced by developing countries. Most of the empirical studies on SME financing constraints are based in developed economies, with limited applicability to developing countries like Bhutan with a different level of economic and financial development. Though the SME financing constraint is widely recognised by the Royal Government of Bhu

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29

Lu, Chien-ho, and 呂建和. "The Effect of Bank Loan Loss Provisions on Financial Forecasts and Earnings Management in Commercial Banks." Thesis, 2004. http://ndltd.ncl.edu.tw/handle/x58ggk.

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碩士<br>朝陽科技大學<br>企業管理系碩士班<br>92<br>The loan loss reserve of the commercial bank could qualify and measure the credit risk that bank assume. However, the loan loss reserve usually becomes the tool that the bank manager manipulates the earnings. Robb (1998) discover when the analysts‘ standpoints of the earnings forecasts undertake congruence, the executive of the bank will via the loan loss reserve of the discretionary accruals to give rise to the “earnings management” to match action expectancies. In recent years, the assets qualities of the banking industry were constantly deterioration. T

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30

Chen, Ching-Li, and 陳敬立. "The Implications of Bank Regulation and Supervision for Loan Loss Provisions." Thesis, 2019. http://ndltd.ncl.edu.tw/handle/43jenq.

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碩士<br>國立臺灣大學<br>會計學研究所<br>107<br>This study focuses on bank regulation and supervision as an important mechanism influencing two distinct aspects of discretionary loan loss provision behaviors around the world, namely: income smoothing and timeliness of recognition. Using a large sample of banks across 54 countries from 2001 to 2015, I find sufficient evidence to indicate that banks listed in countries with better regulation and supervision are less likely to use loan loss provisions for earnings management. In addition, I also find that banks listed in countries with better supervision are mo

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31

Hao, Li. "Three essays on bank loans /." 2005. http://wwwlib.umi.com/cr/yorku/fullcit?pNR11578.

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Thesis (Ph.D.)--York University, 2005. Graduate Programme in<br>Typescript. Includes bibliographical references (leaves135-144). Also available on the Internet. MODE OF ACCESS via web browser by entering the following URL: http://wwwlib.umi.com/cr/yorku/fullcit?pNR11578

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32

FANG, WAN-CHING, and 方婉瀞. "The Study of the Factor Affecting Bank Loan Loss Provisions and CEO Turnover." Thesis, 2019. http://ndltd.ncl.edu.tw/handle/587jg9.

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碩士<br>國立高雄科技大學<br>金融系<br>107<br>This study examines the determinants of loan loss provisions and CEO turnover by panel data model, logit model and probit model. The samples consist of 32 banks from 2008 to 2017. The empirical results show that the CEO turnover and yield on 10-year government bond has a significant positive impact on loan loss provisions, real GDP growth rate and capital adequacy ratio has a significant negative impact on loan loss provisions. The positive impact of CEO turnover on loan loss provisions is consistent with the hypothesis of big bath, true telling, and personal ri

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CHEN, CHIA-HUI, and 陳佳惠. "Estimating Models of Loan Loss Provisions for the Banks’ IFRS Adoption." Thesis, 2016. http://ndltd.ncl.edu.tw/handle/58898025140072741496.

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碩士<br>東吳大學<br>會計學系<br>104<br>The accounting system for Taiwan banking industry has been occurred through a gradual convergence of IAS 39 since 2011, which means about the accounting treatment of financial instruments had been converged toward International Financial Reporting Standards (IFRS) in that year. The major business for the banking is loan, however, in order to achieve different purposes for the banking management, loan loss provisions (LLP) has been frequently used to manage their earnings. If we can get a better estimating model to predict the banks’ LLP effectively in the future, i

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34

Wei, Han-yu, and 魏涵渝. "The Research of Loan Loss Provisions for Financial Holding Subsidiary Banks." Thesis, 2004. http://ndltd.ncl.edu.tw/handle/30395540476685578420.

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碩士<br>國立臺北大學<br>會計學系<br>93<br>Abstract This study investigates the intension of loan loss provisions for financial holding subsidiary banks. In bank industry, the loan loss provision decisions can partially reflect the default risk of loans, besides that, some are regarded as the instrument for manipulation.. During the research, Wahlen(1994)’s estimating model is used to separate loan loss provisions into non-discretionary and discretionary components. After that, in terms of variance analysis, we examine the non-discretionary component of loan loss provisions with t-test for verifying wheth

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HUANG, PO-HSIEN, and 黃博賢. "Bank loans for Aboriginal Business Case Study." Thesis, 2013. http://ndltd.ncl.edu.tw/handle/24300775375576996574.

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Lai, Zhi-lun, and 賴志倫. "The impacts of Elections on bank loans." Thesis, 2010. http://ndltd.ncl.edu.tw/handle/84226480961202110274.

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碩士<br>雲林科技大學<br>財務金融系碩士班<br>98<br>Owning to political concerns, government-owned banks may have inventive to increase their lending prior to elections. This thesis uses the loan data of government-owned banks and private banks in Taiwan from 1992 to 2008 to investigate the relationship between bank loan behaveior and elections. Empirically, I find that government owned banks tend to extend more credit relative to private bank prior to Presedent elections. This effect is robust after controlling for bank assets, capital ratio, GDP growth and fixed effect for time and individual banks. However,

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Koh, Sung-Soo. "The role of banks in imperfect capital markets." 1995. http://catalog.hathitrust.org/api/volumes/oclc/33670770.html.

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Huang, Chen-Shi, and 黃晨溪. "The implications of capital ratio and earnings for banks’ loan loss provision timeliness." Thesis, 2017. http://ndltd.ncl.edu.tw/handle/vsn55b.

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碩士<br>國立臺灣大學<br>會計學研究所<br>105<br>Using a sample of U.S. bank holding companies from 2002 to 2014, I find banks with above-median total capital ratio recognize larger and timelier loan loss provisions. In addition, banks record larger amount of loan loss when they have higher earnings before loan loss provisions and income taxes. These results are consistent with the view that well-capitalized banks are more capable to record timelier loan loss provision, and are more conservative toward credit risk management. Also, the result suggests banks with higher income provide timelier information rega

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Huang, Hung-Lang, and 黃弘琅. "The Impact of Capital Adequacy Ratio on Banks' Loan-Loss Provision and Performance." Thesis, 2011. http://ndltd.ncl.edu.tw/handle/80034652993368735200.

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碩士<br>國立臺北大學<br>國際財務金融碩士在職專班<br>99<br>This study aims to explore the non-linear relationship between capital adequacy ratio (hereinafter referred to as the “CAR”) and bank’s performance and loan-loss provision. This study adopts the empirical model of Gonza'lez, Teräsvirta and Dijk（2004, 2005） to verify whether the panel smooth transition effect exists in the above-mentioned variables by using a full quarterly data set from 26 banks in Taiwan, through 2007Q4 to 2010Q3. The study has conclusions as follows: The panel smooth transition effect indeed exists between the CAR and the bank’s loan-lo

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Li, Pei-Yun, and 李佩芸. "Is there adequate loan loss provisions for banks ? –Study of IFRS 9." Thesis, 2016. http://ndltd.ncl.edu.tw/handle/6d9zyb.

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碩士<br>國立交通大學<br>管理學院財務金融學程<br>104<br>The International Accounting Standards Board (IASB) has published the final version of IFRS 9 Financial Instruments in July 2014. IFRS 9 , based on an forward-looking expected credit loss model and replace the IAS 39 Financial Instruments. It is is effective for periods beginning on or after 1 January 2018. Expected credit loss model that will result in more timely recognition of loan losses. Entities are required to recognize an allowance for either 12-month or lifetime expected credit losses (ECLs), depending on whether there has been a significant increa

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Wang, Lin-lu, and 王琳祿. "INCENTIVES FOR BANKS TO USE LOAN LOSSES PROVISIONS FOR REDUCING EARNINGS VARIABILITY." Thesis, 2008. http://ndltd.ncl.edu.tw/handle/36042304862475011511.

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碩士<br>大同大學<br>事業經營學系(所)<br>96<br>This article intends to examine the incentives for bank managers to use discretionary loan losses provisions as a method to lower earnings variability. Three potential incentives are verified in this study, need for external financing, alternatives for income smoothing, restrictions by regulatory agency. Through income smoothing, a bank manager may reduce financing costs. This study also examines whether or not a bank manager would use discretionary loan losses provisions for earnings management to reduce earnings variability, because the bank’s discretionary l

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Yang, Chieh-ming, and 楊介銘. "Personal Credit Evaluation Models For Bank Mortgage Loans." Thesis, 2014. http://ndltd.ncl.edu.tw/handle/c5ykga.

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碩士<br>國立中山大學<br>經濟學研究所<br>102<br>This thesis discusses the following question: Is it enough for financial institutions to evaluate the mortgage applicants through the characteristic variables only? We find that, if only the characteristic variables are considered, a logistic regression model can have a probability of 0.78 to correctly predict the solvency of a loan. However, after adding a geographical variable into the model, the probability improves to 0.813. Moreover,if we eliminate the statistically insignificant variables from the regression, the probability can be improved furtherly to 0

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Lin, Kun-hsing, and 林坤鑫. "Warning Models of the Bank on SMEs Loans." Thesis, 2008. http://ndltd.ncl.edu.tw/handle/41248665473711644385.

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碩士<br>朝陽科技大學<br>財務金融系碩士班<br>96<br>The early-warning system could reduce credit risk and let credit officers to avoid subjective judgment and reduce the occurrence of overdue loans. On one hand the development of SMEs is a main source of Taiwan economic growth. On the other hand, whether the credit business of the bank is sound or not, it also affectes the foundation of the survival and development of the banks and their business performance. The credit business of banks should be based on safety, liquidity, public welfare, income and growth. The credit business would assess legitimacy, ration

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Liu, Chung-wei, and 劉中薇. "Credit conditions for consumer loans bank case study." Thesis, 2010. http://ndltd.ncl.edu.tw/handle/81698910507773807800.

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碩士<br>國立臺灣科技大學<br>財務金融研究所<br>98<br>94 years by the end of November, part of the "card slave" went wrong charges banks charge high interest rates, resulting in double card (credit card, cash card) that the debtor bear a huge financial debt. 1:00 Bank for the sake of profit growth, floating junk card, resulting in debt-laden customers, triggering widespread concern in the community. Two-card crisis can be attributed to sluggish external economic environment, consumers are not made excessive expansion of credit, the competent authority of negligent supervision, the banking industry for the pursui

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Bettinghaus, Bruce Alan. "Earnings management by merger targets : discretion over the loan loss provision in commercial banks." 2000. http://www.etda.libraries.psu.edu/theses/approved/WorldWideIndex/ETD-44/index.html.

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Chetty, Kubandran. "Bank disintermediation: South Africa." Thesis, 2012. http://hdl.handle.net/10539/11577.

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The conventional theory of financial intermediation suggests that banks are the main conduit between savers and borrowers however, research has shown that international banks are losing importance in intermediating i.e. mobilise savings and allocating these funds among competing borrowers - this international reality is due to a number of reasons including changes in regulation, growth in capital markets, non-bank financial intermediaries, foreign competition etc. South Africa has a highly concentrated banking sector with the five largest banks holding more than 90% of the industry’s assets h

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Li, BO. "Essays on Rollover Risk, Bank Loans, and Financial Regulation." Thesis, 2013. http://hdl.handle.net/1974/8167.

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My dissertation consists of three chapters that address the issues of rollover risk, shareholders' risk taking, and financial regulation, from both theoretical and empirical perspectives. The first chapter surveys the literature on rollover risk, the q theory of investment, and the dynamics of capital structure. When the market liquidity shocks intensify, equity holders' rollover losses become substantial, which amplifies the agency conflict between creditors and equity holders. The marginal value of liquidity plays an important role in determining corporate cash management, financing, hedgin

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Chung, Yu-Yang, and 鍾佑陽. "Measuring the Efficiency of Bank Loans: Evidence From Taiwan." Thesis, 2006. http://ndltd.ncl.edu.tw/handle/02041115403430382233.

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碩士<br>國立暨南國際大學<br>財務金融學系<br>94<br>Before success of the first banking reformation, Taiwan’s bank faced difficult situation from bad credit risk management. The importance of credit risk management was proved in huge expenditure. The paper focuses on the efficiency of the bank loan, using 129 listed firms and 972 observations of individual transaction loan data from TEJ database in 2003. There are three main finding. Firstly, the relationship between the loan return and the default risk exists positively, but no-linear pattern. Secondly, the loan-interest rate of the machinery-electricity firms

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Hsieh, Yuan-Feng, and 謝元峰. "The study of credit risk pricing of bank loans." Thesis, 2004. http://ndltd.ncl.edu.tw/handle/17957844196598165256.

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碩士<br>東吳大學<br>國際貿易學系<br>92<br>When the banking industry deals with bank loan businesses，it is important that the banks can price a reasonable loan rate，and，in addition，they must measure the default risk of borrower carefully. Whether the interest spread can cover enterprises default risk will be an important topic. The research objects are the 32 domestic banks in Taiwan. The purpose is research the loan price of publishes（include listed corporations）in every different grades of Taiwan Corporate Credit Risk Index. In this resear

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Lompo, D. Anhadi, and 羅帝達. "Insider Trading and Long-run Performance of Bank Loans." Thesis, 2008. http://ndltd.ncl.edu.tw/handle/12520312481121446318.

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碩士<br>國立成功大學<br>國際管理碩士在職專班<br>96<br>Bank credit announcements have been considered in the financial press and finance literature as a special corporate event with significant positive announcement period returns. Indeed, bank credit does have some economic advantages for their beneficiaries and the market positive reaction to their announcements is not surprising. However, recent studies have documented that credit agreements are followed by a poor performance in the subsequent three years. This long term underperformance prompts us to look into insiders’ incentives in entering the credit agre

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