Relevant bibliographies by topics / Retail lending

Contents

  1. Journal articles
  2. Dissertations / Theses
  3. Books
  4. Book chapters
  5. Conference papers
  6. Reports

Academic literature on the topic 'Retail lending'

Author: Grafiati
Published: 30 May 2022
Last updated: 31 July 2025

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Journal articles on the topic "Retail lending"

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Efremova, Tatiana A. "Analysis of the Development of the Retail Lending Market in Russia." Теория и практика общественного развития, no. 2 (February 26, 2025): 88–95. https://doi.org/10.24158/tipor.2025.2.11.

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The article examines the issues of formation and development of retail lending in Russia from the early 2000s to the present. It delineates the stages of growth in the retail banking sector, identifying their distinctive charac-teristics. It has been established that, under modern conditions, retail lending serves as a driving force for the growth of purchasing demand, which in turn stimulates production processes and creates favorable conditions for overall economic development in the country. However, the persistence of issues related to over-indebtedness among the population and a high prop
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KYRYLENKO, Serhiy. "CLIENT-ORIENTED APPROACHES IN RETAIL BANK LENDING." WORLD OF FINANCE, no. 4(53) (2017): 166–77. http://dx.doi.org/10.35774/sf2017.04.166.

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Introduction. Crisis phenomena in the Ukrainian economy negatively affected the consumer market, caused a decrease in the population's demand for credit products of banks. However, over the past two years, an increase in the retail lending portfolio has taken place, which is evidence of a certain improvement in the socio-economic situation, the improvement of the banking system, the growth of income of citizens and the restoration of their confidence in banks. In such conditions, the task is to consolidate positive trends in retail lending, including by applying client-oriented approaches to b
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Prokofieva, Elena N., and Aleksey D. zmaiylov. "The Impact of the Crisis and Sanctions on the Development of the Retail Lending Market." Transbaikal State University Journal 29, no. 1 (2023): 121–28. http://dx.doi.org/10.21209/2227-9245-2023-29-1-121-128.

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The article is devoted to the analysis of trends in the development of the retail lending market in Russia in the context of a sharp deterioration in international economic and political relations and aggravation of problems in various sectors of the financial market. The subject of the study is the economic relations arising in the process of functioning of the retail lending market. The object of research in the article is not randomly selected banking sector of the retail lending market. For decades, economists in Russia and the world have emphasized the significant socio-economic role of t
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Leonov, Sergey, and Tatiana Trop. "Retail Bank Lending in the Context of the COVID-19 Pandemic and Sanctions Restrictions: Features of the Russian Far East." Regionalistica 9, no. 6 (2022): 85–97. http://dx.doi.org/10.14530/reg.2022.6.85.

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In the context of the pandemic of the new coronavirus infection (COVID-19) and the aggravation of the sanctions burden caused by the special military operation of the Russian Federation in the territories of Ukraine, the Donetsk People’s Republic and the Lugansk People’s Republic, household lending was at particular risk. The article examines the dynamics and structure of lending to individuals for 2015–2022 both in Russia as a whole and on the example of a large macroregion, which is the Russian Far East. To identify statistical patterns, general scientific methods based on official statistic
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Merkulova, N. S., and A. R. Shaptala. "CURRENT TRENDS IN RETAIL BANK LENDING." Фундаментальные исследования (Fundamental research), no. 2 2020 (2020): 54–58. http://dx.doi.org/10.17513/fr.42685.

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Hui, C. H., C. F. Lo, T. C. Wong, and P. K. Man. "Measuring provisions for collateralised retail lending." Journal of Economics and Business 58, no. 4 (2006): 343–61. http://dx.doi.org/10.1016/j.jeconbus.2006.04.001.

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Duisenbayeva, B., N. Maulina, and G. Suleimenova. "Retail lending to commercial banks: current state and business models of development." ECONOMIC SERIES OF THE BULLETIN OF THE L.N. GUMILYOV ENU, no. 1 (2023): 295–306. http://dx.doi.org/10.32523/2789-4320-2023-1-295-306.

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This article explores the current state of consumer bank lending, focusing on the quantitative and qualitative indicators of the banking sector, the ecosystems of commercial banks. In the course of the study, statistical data on the loan portfolio and overdue debts of the banking sector of the Republic of Kazakhstan, on the structure of overdue debts on bank retail loans issued for consumer purposes were used and analyzed. The tendencies of bank consumer crediting by the terms and sizes of the lending rate are determined. The influencing factors on consumer-clients in retail lending have been
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EFREMOVA, Tat’yana A. "Lending to individuals in Russia: Formation, current practice, directions of improvement." Finance and Credit 31, no. 1 (2025): 16–36. https://doi.org/10.24891/fc.31.1.16.

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Subject. The article deals with lending to individuals in commercial banks. Objectives. The purpose is to investigate the evolution of bank lending to individuals in Russia and determine directions for its further development. Methods. The study rests on general scientific methods, such as description and classification, and universal rational-logical methods of cognition, including analysis, synthesis, and induction. Results. The paper highlights and examines development stages of bank lending to individuals in Russia, reveals the key features of each period. I explored the lending practice t
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PROKOFIEVA, E. N., and M. A. GRUZDOVA. "MACROPRUDENTIAL REGULATION OF THE RETAIL LENDING MARKET IN CONDITIONS OF ECONOMIC INSTABILITY AND SANCTIONS." Herald of Omsk University. Series: Economics 20, no. 2 (2022): 64–73. http://dx.doi.org/10.24147/1812-3988.2022.20(2).64-73.

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The economic instability of the last 10 years has determined the nature of the Bank of Russia's actions to regulate various sectors of the financial market in order to minimize risks and ensure maximum efficiency of functioning. The article examines the banking segment of the retail lending market, since this particular area has been considered the most risky and requiring the intervention of the Central Bank for a number of years. The basis for the study, as well as for comprehensive control by the Bank of Russia, was an active growth in retail lending volumes that is incomparable with the dy
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Vysokov, D. A. "Regulatory Arbitrage in the Retail lending Market." Finance: Theory and Practice 24, no. 1 (2020): 46–57. http://dx.doi.org/10.26794/2587-5671-2020-24-1-46-57.

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Dissertations / Theses on the topic "Retail lending"

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Moe, Todd Gregory. "The Many Functions of Commercial Banking: Liquidity Management, Mergers, and Retail Lending." OpenSIUC, 2018. https://opensiuc.lib.siu.edu/dissertations/1616.

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The main objective of this dissertation is to provide insight into commercial bank decisionmaking in the United States. To this end, commercial bank behavior is explored in three separate essays. Chapter 1 examines the liquidity adjustment behavior of U.S. commercial banks from 1993-2006. A panel vector autoregressive framework is employed to estimate the dynamic responses of bank loans and liquid assets to a variety of bank funding shocks. Orthogonalized impulse responses reveal that banks respond to disruptions in funding by extending less credit and hoarding liquid assets. This paper also h
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Borodin, Dmitry. "Development and Application of Credit Scoring Models in Retail Decision-Making Processes of Financial Institutions." Master's thesis, Vysoká škola ekonomická v Praze, 2016. http://www.nusl.cz/ntk/nusl-264692.

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Usage of outputs from credit scoring models within decision-making process is often neglected in the existing literature. Nonetheless, it is a critical component of a successful lending process. This thesis introduces the concept of credit scoring and discusses steps typically employed within model development process. This thesis then provides an overview of how modeling outputs are typically used in lending. The thesis primarily focuses on definition of cut-offs points, policy and business rules, limit assignment and risk based pricing. The introduced approaches are modeled in the last part
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Діну, М. Є. "Управління ризиками роздрібного банківського кредитування (на прикладі АТ «УКРСИББАНК»)". Thesis, Одеський національний економічний університет, 2020. http://dspace.oneu.edu.ua/jspui/handle/123456789/12607.

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У першому розділі дипломної роботи досліджено теоретичні засади сутності роздрібного ба-нківського бізнесу, розглянуто поняття роздрібного кредитування, визначено процес управління та методи мінімізації ризиків роздрібного банківського кредитування. Проаналізовано розвиток кредитної діяльності банківської системи України на сучасному етапі, досліджено умови кредитування, проведена оцінка ефективності кредитного портфеля та кон-курентоспроможності АТ «УКРСИББАНК» в порівнянні з банками-конкурентами, досліджено про-цес управління кредитним ризиком діяльності АТ «УКРСИББАНК». Розглянуто зарубіж
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Солошенко, Олександр Миколайович. "Моделі і методи оцінювання кредитоспроможності фізичних осіб". Doctoral thesis, Київ, 2016. https://ela.kpi.ua/handle/123456789/17461.

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Дослідження спрямоване на вдосконалення системної методології побудови скорингових моделей у кредитуванні, програмну реалізацію системи підтримки прийняття рішень для побудови скорингових карт та на створення конкретних прогнозних моделей. Наукова новизна дослідження включає пропонований метод дискретизації неперервних змінних, пропонований метод розрахунку показників предикативності категоріальних змінних при агрегованих вхідних даних, вдосконалення методу розрахунку рівнів статистичної значимості, вдосконалення методу k-найближчих сусідів, узагальнення логістичної регресії, ваги категорії зм
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Mariotto, Carlotta. "Essais sur l'Innovation de la Banque de Détail." Thesis, Paris Sciences et Lettres (ComUE), 2016. http://www.theses.fr/2016PSLEM085/document.

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L’industrie de la finance a connu une multiplication d’innovations qui peuvent bouleverser les services financiers traditionnels. Elles brouillent les frontières entre banques et start-ups, accélérèrent les transactions, démocratisent l'accès au crédit, tout en imposant aux régulateurs le défi de construire un cadre règlementaire qui rééquilibre le compromis entre stabilité financière, concurrence innovation.Dans cette thèse, d'abord je réponds à cette question : comment les innovations influencent-elles la concurrence dans la banque de détail ? Un premier enjeu consiste à comprendre pourquoi
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Huang, Chi-Hao, and 黃麒豪. "Nonlinear impact of FinTech lending on retail banks'' stock returns." Thesis, 2019. http://ndltd.ncl.edu.tw/handle/5nky7h.

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碩士<br>中原大學<br>國際經營與貿易研究所<br>107<br>This paper rewrites the Fama-French three-factor model to the PSTR framework and uses the FinTech lending rate (FTLR) as the transition variable to estimate the nonlinear path of retail banks’ stock returns and the threshold effect of FTLR on the linkage between the stock returns and their three drivers. Empirically, a total of 2,880 observations are used for 240 US retail banks from 2015: Q1 to 2017: Q4. The empirical results show that: 1.The retail banks’ stock returns show a nonlinear smooth transition process, with two thresholds of FTLRs being 22.32% and
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Ткач, К. С. "Розвиток банківського роздрібного кредитування в Україні". Thesis, 2018. http://dspace.oneu.edu.ua/jspui/handle/123456789/9153.

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У роботі розглядаються теоретичні аспекти роздрібного банківського бізнесу. Визначено загальнi правoвi та oрганiзацiйнi заcади cпoживчoгo крeдитування в Українi вiдпoвiднo дo мiжнарoднo-правoвих cтандартiв у цiй cфeрi.<br>The paper considers theoretical aspects of retail banking business. The general rules and organizational procedures for establishing the right of recruiting in Ukraine are determined in accordance with the inter-legal standard standards in this scope.
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Lin, Nien-Tzung, and 林念宗. "Loan Management Modes, Asset Scales, and Lending Competition of the Return to Retail Banking in Taiwan." Thesis, 2009. http://ndltd.ncl.edu.tw/handle/23409819178022036547.

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碩士<br>淡江大學<br>國際貿易學系國際企業學碩士班<br>97<br>This paper attempts to consider the concepts of banks in different asset scales, the monetary policy to lending channel’s influence, and use balance sheet’s activities to explain loan behavior of the return to retail banking. In addition, we also integrate these concepts to built the models, and use these models to differentiate loan management modes. In the article we differentiate loan management modes between the banks in order to know who the competitors are. If we can know the competitors, it will help us to do the strategy and then increased the p
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Books on the topic "Retail lending"

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United States. Small Business Administration., ed. The facts about--: The new SBA Franchise Registry. SBA, 1999.

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Davos, Peter Yiannis. The coming collapse of retail real estate: A fundamental shift in consumer spending habits, retail viability and lending procedures. 2009.

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Reinventing retail lending analytics: Forecasting, stress testing, capital and scoring for a world of crises. 2nd ed. Risk Books, 2014.

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Wales, Kim. Peer-to-Peer Lending and Equity Crowdfunding. ABC-CLIO, LLC, 2017. http://dx.doi.org/10.5040/9798400695902.

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Written by an industry pioneer who has hands-on experience in the brave new world of peer-to-peer lending and equity crowdfunding, this book serves as a resource for investors and entrepreneurs alike and investigates how these alternative mechanisms will increase the financial and operational capacity of borrowers, lenders, buyers, and sellers in the private markets. More than 60 governments across the globe have established financial inclusion as a policy priority and are vying for access to and use of financial services by households and firms to boost economic growth. A thought leader on se
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Hanouch, Michel, Richard Ketley, Jessica Kramer, and Christo Wiese. Expanding Housing Finance in Uganda : Task 2. Study to Examine the Use of Retail Funds for Mortgage Lending. World Bank, Washington, DC, 2009. https://doi.org/10.1596/12827.

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Brei, Michael, and Alfredo Schclarek. The Countercyclical Behaviour of National Development Banks in Latin America and the Caribbean. Oxford University Press, 2018. http://dx.doi.org/10.1093/oso/9780198827948.003.0011.

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This chapter investigates the cyclical lending patterns of national development banks (NDBs), comparing their lending activity with that of public, foreign, and domestic private banks over the period of 1995–2014. It finds robust evidence that national development and public retail-oriented banks have counteracted the slowdown in the lending activity of private banks during crises by significantly increasing their provision of loans. This is particularly important when considering productive lending to the corporate sector. NDBs’ size, governance structure, and financial conditions are crucial
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Anderson, Raymond A. Credit Intelligence & Modelling. Oxford University Press, 2021. http://dx.doi.org/10.1093/oso/9780192844194.001.0001.

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This book, “Forest Paths” for short, started as a detailed guide for the construction of predictive models for credit and other risk assessment, for use in big-bank retail lending. It became a textbook covering credit processes (from marketing through to fraud), bureau and rating agencies, and various tools. Included are detailed histories (economics, statistics, social science}, which much referencing. It is unique in the field, with chatpers’-end questions. The primary target market is corporate and academic, but much would be of interest to a broader audience. There are eight modules: 1) an
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Book chapters on the topic "Retail lending"

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Abor, Joshua Yindenaba, Agyapomaa Gyeke-Dako, Vera Ogeh Fiador, Elikplimi Komla Agbloyor, Mohammed Amidu, and Lord Mensah. "Consumer and Retail Lending." In Money and Banking in Africa. Springer International Publishing, 2019. http://dx.doi.org/10.1007/978-3-319-77458-9_10.

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Hui, Cho-Hoi, Chi-Fai Lo, Eric Tak-Chuen Wong, and Po-Kong Man. "Measuring Provisions for Collateralized Retail Lending." In The Banking Sector in Hong Kong. Palgrave Macmillan UK, 2008. http://dx.doi.org/10.1057/9780230227378_10.

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Milani, Carlo. "Community Banks and Lending Technologies: Evidence from the Italian Retail Market." In Institutional Diversity in Banking. Springer International Publishing, 2016. http://dx.doi.org/10.1007/978-3-319-42073-8_5.

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Sachan, Swati. "Fintech Lending Decisions: An Interpretable Knowledge-Base System for Retail and Commercial Loans." In Information Processing and Management of Uncertainty in Knowledge-Based Systems. Springer International Publishing, 2022. http://dx.doi.org/10.1007/978-3-031-08974-9_10.

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Pomazanov, Mikhail. "Risk Management Tools to Improve the Efficiency of Lending to Retail Segments." In Risk Management [Working Title]. IntechOpen, 2022. http://dx.doi.org/10.5772/intechopen.108527.

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This chapter discusses the issue of assessing the quality of risk management for a wide segment of retail lending (from consumer loans to loans for self-employed persons and SMEs). The quality of risk management is assessed using the generally recognized approach of the ROC analysis methodology and assessment of the optimal level of discrimination, taking into account risk-return. The chapter substantiates a marginal formula for assessing the economic benefits of improving the discriminatory power of the scoring models on which risk management is based. Based on the presented approach, it is p
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Holowczak, Richard. "E-Commerce in the Financial Services Industry." In Managing Business with Electronic Commerce. IGI Global, 2002. http://dx.doi.org/10.4018/978-1-930708-12-9.ch010.

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The financial services industry consists of retail financial services such as retail banking, consumer lending and mortgage banking, insurance (life, health, property) and financial markets. Each of these sectors has seen tremendous growth in the services and products delivered over public internetworks such as the Internet. The recent signing into law (November 1999) of the Gramm-Leach-Bliley Act in the U.S. has enabled firms such as retail banks to provide an unprecedented array of financial services. As competition within the industry increases, firms of all sizes are looking to achieve com
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Gutierrez, Manuel. "Peer-to-Peer Lending as an Alternative Investment Asset Class in the EU." In Advances in Human Resources Management and Organizational Development. IGI Global, 2018. http://dx.doi.org/10.4018/978-1-5225-4148-6.ch003.

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The aftermath of the 2007-2009 financial crisis and European debt crisis proved to be a transformative event to financial markets, primarily in the areas of fixed-income asset yields and asset price appreciation due to wide-spread credit contraction at the retail level. After worldwide markets collapsed for equities and many corporate debt securities, frightened investors liquidated holdings at absurdly low prices. However, the worldwide recovery, while uneven, remains underway. Yet despite the recoveries in the broader indices, individual investors at the retail level have not widely shared i
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Gutierrez, Manuel. "Fintech Impact on EU Retail Savings and Investment." In Advances in Human Resources Management and Organizational Development. IGI Global, 2018. http://dx.doi.org/10.4018/978-1-5225-4148-6.ch004.

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Years after the 2007-2009 financial crisis and European debt crisis, the European Union's (EU) banking system sustained persistent strain due to those two shocks, austerity and economic contraction, political events, poor banking operations, enhanced regulation, and litigation. The European Central Bank's response was significant: short-term interest rates collapsed and markets were flooded with money via quantitative easing programs. Consequently, investors fled risky assets for the safety of government debt. Yet as banks recovered, savers sacrificed asymmetrically: yields on bank deposits an
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"Business and IT trends in retail banking, mortgage lending, life and general insurance." In Information Technology, Organizations and People. Routledge, 2002. http://dx.doi.org/10.4324/9780203023280-12.

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Newton, Lucy. "British Retail Banking in the Twentieth Century: Decline and Renaissance in Industrial Lending." In Business in Britain in the Twentieth Century. Oxford University Press, 2009. http://dx.doi.org/10.1093/acprof:oso/9780199226009.003.0011.

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Conference papers on the topic "Retail lending"

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Ivanitsky, V. P., T. V. Reshetnikova, and A. I. Reshetnikov. "Digital Technologies in Bank Retail Lending." In 2nd International Scientific and Practical Conference “Modern Management Trends and the Digital Economy: from Regional Development to Global Economic Growth” (MTDE 2020). Atlantis Press, 2020. http://dx.doi.org/10.2991/aebmr.k.200502.181.

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Jemna, Roxana. "Tendințe actuale în activitatea de creditare Retail a băncilor." In Simpozion Ştiinţific al Tinerilor Cercetători, Ediţia a 21-a. Academy of Economic Studies of Moldova, 2024. http://dx.doi.org/10.53486/sstc.v3.43.

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We can remark the reorientation of banks towards the retail segment last time, due to the increase in the financial culture of the population, but especially due to the efforts made by the banks, through which the retail segment enjoys loans with small amounts, without proof of income, attracting in this way clients from microfinance institutions. The purpose of this article is to carry out a study on the market of bank credit granted to individuals, highlighting the trends outlined in bank lending, as well as the factors that determine them. In order to notice the essence of the processes in
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Andronnikov, L., and Elena Maklakova. "Problems of consumer credit market development in Russia." In SCIENCE TRANSFORMS REALITY – 2024. FSBE Institution of Higher Education Voronezh State University of Forestry and Technologies named after G.F. Morozov, 2024. http://dx.doi.org/10.58168/reality2024_222-227.

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The article is dedicated to the issues of consumer lending, as one of the fastest growing segments in banking credit. It is noted that the influx of borrowers with higher debt levels ensures a gradual increase in the credit burden on the retail portfolio as a whole. The structure and features of the consumer credit market development are examined, taking into account the influence of consumer demand dynamics and the growth of borrowers' debt burden.
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Revathy, K., and D. Murugesan. "An analytical assessment of retail lending practices and their impact on customer experience and loyalty with respect to NBFC in Chennai." In INTERNATIONAL CONFERENCE ON MODELLING STRATEGIES IN MATHEMATICS: ICMSM 2024. AIP Publishing, 2025. https://doi.org/10.1063/5.0275892.

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Koumpan, Elizabeth, Ram Ravishankar, and Periasamy Girirajan. "On Demand Loans Real Time Service: Essential User Feature by the Banks in Society 5." In 13th International Conference on Applied Human Factors and Ergonomics (AHFE 2022). AHFE International, 2022. http://dx.doi.org/10.54941/ahfe1002254.

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Investing for a Sustainable Future is driving major client buying behaviors and long-term corporate strategies. We are currently at the transition between the 3rd Industrial Revolution (the computer / Internet based information industry), and the 4th Industrial Revolution (driven by digital transformation, AI, IoT, Blockchain), emerging into the 5th Industrial Revolution. This transition drives an unprecedented connection of business to purpose, democratizing technology for consumers with ease of use and integration of cyberspace with physical space In addition, Covid-19 has acted as a catalys
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V. G, Kaviya, and Gini R. "E-Commerce Application for Farm Fresh Trading." In The International Conference on scientific innovations in Science, Technology, and Management. International Journal of Advanced Trends in Engineering and Management, 2023. http://dx.doi.org/10.59544/raqq9272/ngcesi23p56.

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For several years, farmers in India have had little liberty in choosing markets and purchasers for their produce. All states in the country, except three, degree that marketing and selling of farm produce must be directed through state-owned mandis, retail markets where mediators (middlemen) crush farmers to increase margins. According to research, mediators have become dominating buyers of the agricultural market, resulting them to take control over the plight of the farmers and gulping all the profits. The farmers work day and night expecting a good yield. They use a lot of financial resourc
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Reports on the topic "Retail lending"

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Galindo, Arturo J., and Roberto Steiner. Asymmetric Interest Rate Transmission in an Inflation Targeting Framework: The Case of Colombia. Banco de la República de Colombia, 2020. http://dx.doi.org/10.32468/be.1138.

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After adopting an inflation targeting framework for monetary policy at the turn of the century, the Central Bank of Colombia started actively using the monetary policy interest rate as its key policy tool. In this regard, this paper examines the interest rate pass-through from the monetary policy rate to the retail rates in Colombia and explores asymmetries in the adjustment process within the framework of a non-linear version of the ARDL (NARDL) model developed by Shin et al. (2014). Our findings show that the policy rate plays a key role in determining deposit and lending retail rates but th
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Puri, Manju, Jörg Rocholl, and Sascha Steffen. Global retail lending in the aftermath of the US financial crisis: Distinguishing between supply and demand effects. National Bureau of Economic Research, 2011. http://dx.doi.org/10.3386/w16967.

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Bayuday-Dacuycuy, Connie, Marife Ballesteros, Lora Kryz Baje, and Jenica and Ancheta. Towards a More Sustainable Financing of Small Farmers and Fisherfolk's Agricultural Production. Philippine Institute for Development Studies, 2020. https://doi.org/10.62986/dp2020.38.

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Cognizant of the value and contribution, as well as of the challenges in the agricultural finance, the government has intensified its lending programs designed to help the agricultural sector, specifically, the smallholders. Thus, affordable and easy access retail lending has intensified in recent years. Despite these efforts, significant problems remain. These include the lack of markets and low prices, which have significant implications on the overall repayment capacity and credit rating of the small farmer and fisherfolk (SFF). Indeed, these lending programs are unlikely to become successf
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Crosignani, Matteo, and Hanh Le. Stakeholders’ Aversion to Inequality and Bank Lending to Minorities. Federal Reserve Bank of New York, 2023. http://dx.doi.org/10.59576/sr.1079.

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We find that banks differ in their propensity to lend to minorities based on their stakeholders’ aversion to inequality. Using mortgage application data collected under the Home Mortgage Disclosure Act, we document a large and persistent cross-sectional variation in banks’ propensity to lend to minorities. Inequality-averse banks have a higher propensity to lend to borrowers in high-minority areas and, within census tracts, to non-white borrowers compared to other banks. This higher propensity (i) is not explained by selection of applicants, (ii) allows these banks to retain and attract their
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