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Дисертації з теми "Loan to Saving Ratio"

Автор: Grafiati

Опубліковано: 3 червня 2025

Оновлено: 31 липня 2025

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1

Mendicino, Caterina, and Maria Teresa Punzi. "House Prices, Capital Inflows and Macroprudential Policy." WU Vienna University of Economics and Business, 2014. http://epub.wu.ac.at/4281/1/wp180.pdf.

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This paper evaluates the monetary and macroprudential policies that mitigate the procyclicality arising from the interlinkages between current account deficits and financial vulnerabilities. We develop a two-country dynamic stochastic general equilibrium (DSGE) model with heterogeneous households and collateralised debt. The model predicts that external shocks are important in driving current account deficits that are coupled with run-ups in house prices and household debt. In this context, optimal policy features an interest-rate response to credit and a LTV ratio that countercyclically res

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2

Ahiabor, Frederick S. "Determinants of project finance loan terms." Thesis, Loughborough University, 2018. https://dspace.lboro.ac.uk/2134/36313.

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Project finance has become a vital financing vehicle for undertaking capital-intensive and infrastructure investments. In 2017 alone, the value of deals signed using project finance was estimated at approximately $229 billion. Despite its increasing importance, little is known regarding the impact of project-level, and country characteristics on the loan terms. This thesis proceeds in examining these determinants along three empirical essays. The first essay (Chapter 3) focuses on how domestic lead arrangers certification (in emerging markets) impact the pricing of project finance loans. Using

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3

Mtimkhulu, Ayibongwe Joseph. "The impact of financial intermediaries on the savings-investment ratio in South Africa." Thesis, University of Fort Hare, 2014.

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This study examined whether or not financial intermediation can explain the variations in the savings-investment ratio in South Africa during the period 1990 to 2012. The study specifically tests the McKinnon Conduit Effect hypothesis which states that increasing interest rate raises the capacity of financial savings via financial intermediaries based on data from South Africa. Apart from informal graphical test, this study employed formal tests such as the Augmented Dickey-Fuller and Phillips Perron stationarity tests to test the properties of the variables considered, including interest rate

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4

Roubcová, Veronika. "Optimalizace financování bydlení." Master's thesis, Vysoké učení technické v Brně. Fakulta stavební, 2016. http://www.nusl.cz/ntk/nusl-240144.

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This thesis deals with the possibilities of financing their own housing. The theoretical part will explain the basic concepts of housing finance. The work is described in the financing of legal entities and individuals. A separate chapter is devoted to mortgage loans. A separate chapter is devoted to building savings, which is more often used variant of housing finance. The practical part will be finding funding options to purchase their own home. Self housing will work in this particular object that will be compiled as part of the work and budget. On the basis of specific conditions, will be

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5

Punzi, Maria Teresa, and Katrin Rabitsch. "Effectiveness of macroprudential policies under borrower heterogeneity." WU Vienna University of Economics and Business, 2017. http://epub.wu.ac.at/5731/1/wp253.pdf.

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We study the impact of macroprudential policies using a novel model which takes into account households´ ability to borrow under different loan-to-value ratios which are tied to their collateral values. Such model generates a larger amplification in real and financial variables, compared to standard models that assume homogeneity in the leveraging and deleveraging process. Conditional on this model, we consider the implications of macroprudential policies that aim to lean against an excessive credit cycle. In particular, we allow macroprudential authorities to tighten excessive lending to hig

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6

Rabitsch, Katrin, and Maria Teresa Punzi. "Borrower heterogeneity within a risky mortgage-lending market." WU Vienna University of Economics and Business, 2017. http://epub.wu.ac.at/5429/1/wp241.pdf.

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We propose a model of a risky mortgage-lending market in which we take explicit account of heterogeneity in household borrowing conditions, by introducing two borrower types: one with a low loan-to-value (LTV) ratio, one with a high LTV ratio, calibrated to U.S. data. We use such framework to study a deleveraging shock, modeled as an increase in housing investment risk, that falls more strongly on, and produces a larger contraction in credit for high-LTV type borrowers, as in the data. We find that this deleveraging experience produces significant aggregate effects on output and consumption, a

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7

Thomas, Soby. "Residential mortgage loan securitization and the subprime crisis / S. Thomas." Thesis, North-West University, 2010. http://hdl.handle.net/10394/4591.

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Many analysts believe that problems in the U.S. housing market initiated the 2008–2010 global financial crisis. In this regard, the subprime mortgage crisis (SMC) shook the foundations of the financial industry by causing the failure of many iconic Wall Street investment banks and prominent depository institutions. This crisis stymied credit extension to households and businesses thus creating credit crunches and, ultimately, a global recession. This thesis specifically discusses the SMC and its components, causes, consequences and cures in relation to subprime mortgages, securitization, as we

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8

Lee, Kyubang. "The demand for owner-occupied housing : a study of the simultaneity among housing demand, the choice of loan-value ratio and the length of stay /." The Ohio State University, 1985. http://rave.ohiolink.edu/etdc/view?acc_num=osu1278610468.

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9

Wall, Taylor A. "Saving America's Automobile Industry: The Bailouts of 1979 and 2009, An Overview of the Economic Conditions, Factors for Failure, Government Interventions and Public Reactions." Scholarship @ Claremont, 2010. http://scholarship.claremont.edu/cmc_theses/43.

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This paper will discuss the bankruptcies experienced by U.S. automakers in both 1979 and 2009. The main factors which led the automakers into financial ruin was the uncontrolled power of labor unions, the severe financial impact of oil embargos, the aggressive imposition of federal regulations and the increasing dominance of Japanese imports. After discussing these important factors, the paper will describe the specifics of Chrysler’s bailout experience in 1979 with the positive public acceptance of the government loans, largely due to the character of Lee Iacocca. After delving into Chrysle

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10

Benešová, Lucie. "Možnosti financování bydlení v České republice." Master's thesis, Vysoké učení technické v Brně. Fakulta podnikatelská, 2015. http://www.nusl.cz/ntk/nusl-224925.

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This diploma thesis deals with the financing options of housing in the Czech Republic with the focus on building society saving accounts and mortgage loans. At first, it explains the basic parameters of these products. Then, the second part is aimed at the possibilities of credit products offered on the market. Finally, the third part shows the representative example of a family and it suggests a possible way to finance their own housing on the basis of assessment of major advantages and disadvantages of credit types.

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11

Chen, Qing. "An Empirical analysis of the effects of market response to bank loan announcements in the Hong Kong stock market." Diss., Lincoln University, 2009. http://hdl.handle.net/10182/1205.

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This study will validate several key results from previous studies of bank loan announcement effects by using the data from Hong Kong market following the 1997 Asian crisis. Banks are believed to play a unique role in financial market which could effectively reduce the problem of information asymmetry and moral hazard. Banks could access borrowers’ inside information which is not available to other participants. Thus bank loan announcements convey valuable information to the market, and market response of the stock price should be positive. However, because of the significant reform in both fi

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12

Zahálková, Anna. "Analýza využití stavebního spoření v ČR." Master's thesis, Vysoká škola ekonomická v Praze, 2016. http://www.nusl.cz/ntk/nusl-206187.

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Анотація:

This thesis deals with the possibilities of financing housing, in particular savings instrument. The main goal is to determine, what are the differences between building savings banks, especially in the product. Another goal is to monitor and evaluate the options selected housing financing in the Czech Republic. The work focuses on market analysis, building societies and comparison of their products. The first part deals with the explanation of the concepts of housing and savings, including the establishment process of building savings and loan drawdown of savings. Attention is also paid to su

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13

Bednářová, Veronika. "Rozdíly financování nemovitosti mezi hypoteční bankou a stavební spořitelnou." Master's thesis, Vysoké učení technické v Brně. Fakulta podnikatelská, 2015. http://www.nusl.cz/ntk/nusl-224924.

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Анотація:

This thesis is focused on the evaluation of suitable alternatives for funding of own housing for specific model examples of clients and purposes. In the theoretical part there are defined the concepts associated with mortgages and building savings. The theoretical part is focused on the current trend in the market of mortgage financing in the Czech Republic. It also contains a prediction of further developments in the field of loan financing. In the practical part the theory is used for analyzing the offers of financial institutions and there is also selected an appropriate way of financing.

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14

Lukaszewicz, Piotr. "Energy Consumption and Running Time for Trains : modelling of running resistance and driver behaviour based on full scale testing." Doctoral thesis, Stockholm, 2001. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-3185.

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15

Rose, Sebastian, and Daniel Kamali. "Does Property Segment Distribution Affect the Capital Structure of Real Estate Companies? : An Investigative Study of the Operational Risk within Different Property Segments and its Effect on the Debt Ratio in a Company." Thesis, KTH, Fastigheter och byggande, 2021. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-298079.

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The real estate sector is a capital-intensive industry, where the combination of debt and equity is used to finance the property investment. Companies tend to increase the loan-to-value ratio, to use financial leverage. However due to banks being more restrictive with their lending as well as having different ways of assessing risk in different property companies, there is a belief that the loan-to-value ratio is affected by the property segment distribution in a company. Based on previous research, there are many factors that could affect the loan-to-value (LTV) in a company such as size, pro

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16

Jansson, Sebastian, and Erik Niklasson. "Fuktrelaterade risker vid lågenergikonstruktion i lättbetong : En studie av ett nyproducerat passivhus." Thesis, KTH, Byggteknik och design, 2014. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-149303.

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Trenden i byggbranschen är att efterfrågan på täta, energisnåla byggnader ökar. Passivhus och andra lågenergikonstruktioner blir vanligare och vanligare. Riskerna med att bygga in organiskt material som trä i dessa konstruktioner har fått branschen att börja titta på alternativa material. Lättbetong är ett material som både har bärande och isolerande egenskaper. Dessutom är det inte organiskt vilket gör det okänsligt för mikrobiell påväxt. Det som är intressant med lättbetong, ur fuktsynpunkt, är att materialet levereras från tillverkare med en stor mängd byggfukt. Våren 2014 färdigställde Bol

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17

Msahazi, Abdillah. "La préservation du système bancaire par la régulation : l'exemple du système bancaire comorien." Thesis, Paris 5, 2014. http://www.theses.fr/2014PA05D012.

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Cette Thèse de sciences de gestion, se propose d’élucider les difficultés que rencontrent les acteurs du système bancaire comorien et apporter des solutions afin de lui garantir sa solidité, stabilité et enfin sa pérennité. Elle est divisée en deux parties. La première porte plus particulièrement sur le cadre national et internationale du système bancaire comorien. La deuxième met en évidence les banques comoriennes confrontées à la transparence financière et aux exigences de supervision prudentielle. Le premier titre de la première partie, tâche à mettre en lumière l’organisation actuelle du

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18

Senosi, Mmamontsho Charlotte. "Discrete time modeling of subprime mortgage credit / M.C. Senosi." Thesis, North-West University, 2010. http://hdl.handle.net/10394/4383.

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Анотація:

Many analysts believe that problems in the United States housing market initiated the 2007-2009 global financial crisis. In this regard, the subprime mortgage crisis (SMC) shook the foundations of the financial industry by causing the failure of many iconic Wall Street investment banks and prominent depository institutions. This crisis stymied credit extension to households and businesses thus creating credit crunches and, ultimately, a global recession. This thesis specifically discusses the SMC and its components, causes, consequences and cures in relation to subprime mortgage origination, d

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19

Hillefors, Hanna, and Nathalie Isaksson. "De svenska hushållens sparande : Vilka faktorer påverkar sparkvoten? En reflektion under den rådande Corona-pandemin." Thesis, Högskolan Väst, Avd för juridik, ekonomi, statistik och politik, 2021. http://urn.kb.se/resolve?urn=urn:nbn:se:hv:diva-17329.

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The savings ratio for Swedish households is record-breaking and Sweden, together with the rest of the world, is currently in the middle of a pandemic. What drives individuals to save is based on a number of different factors that previous research has concluded. The purpose of this study is to, with previous research as a basis, investigate which factors affect the savings ratio for Swedish households. Quarterly data for the years 1982–2020 is analyzed in a time series by first processing for unit roots and then cointegration. The data is then estimated in a multiple linear regression in the f

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20

Trouve, Yohann. "Local interactions between rental and real estate housing markets." Thesis, Lyon, 2019. http://www.theses.fr/2019LYSE2111.

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Le marché du logement se compose de deux segments principaux, le marché locatif et le marché de la vente. Bien que ces deux marchés fonctionnent différemment, les prix sur les deux marchés sont naturellement soumis à des interactions réciproques : le niveau des loyers affecte les prix de vente, mais les prix sur le marché de vente ont un impact sur les loyers. Dans la première approche, les loyers sont convertibles en prix de vente par une formule de capitalisation. Cependant, il est possible, et empiriquement observé, qu'il existe des déséquilibres entre les deux marchés. Ainsi, la dynamique

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21

Vendé, Pierre-Emmanuel. "Incidence de l'implémentation d'un système de pulvérisation de gouttelettes d'eau sur l'efficacité d'un groupe de production de froid embarqué." Thesis, Sorbonne université, 2018. http://www.theses.fr/2018SORUS463.

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La brumisation du condenseur à air d’une machine frigorifique permet une augmentation des échanges thermiques avec l’évaporation de l’eau dans l’air ou en paroi, ce qui augmente la puissance frigorifique et diminue le travail de compression. Ce phénomène est appliqué dans le cadre automobile afin d’abaisser la consommation supplémentaire de carburant induite par la climatisation lorsque le véhicule est à l’arrêt ou roule à faible vitesse. Un dispositif de brumisation autosuffisant en eau, peu énergivore et peu encombrant a ainsi été implémenté afin d’impacter le condenseur du système de climat

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22

Diabate, Alassane. "Liquidity risk and fair value accounting : implications for banks capital structure, lending and stability." Thesis, Limoges, 2020. http://www.theses.fr/2020LIMO0002.

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Cette thèse comprend trois essais empiriques fondés sur des données de banques commerciales américaines. Elle vise à mettre en évidence les implications du risque de liquidité et de la comptabilisation à la juste valeur sur la structure du capital, les prêts et la stabilité des banques. Ainsi, le premier chapitre examine si les épisodes de pénurie de liquidité sur le marché influencent l'ajustement de la structure du capital des banques. Les résultats révèlent que seules les petites banques réagissent à de tels épisodes en augmentant leur ratio de capital. Pour ce faire, elles réduisent la par

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23

CHUNG, WU-TIEN, and 鐘戊典. "A Study on Loan-to-Value Ratio for Mortgage." Thesis, 2019. http://ndltd.ncl.edu.tw/handle/m6q43b.

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博士<br>國立高雄科技大學<br>財務金融學院博士班<br>107<br>This study builds a model with utility maximization and derived the factors that affect the optimal LTV ratio. The results of parameters quantification results in five conclude for the model simulation. The optimal LTV ratio has a positive relationship with labor income, initial financial assets, and housing price growth, a negative relationship with initial housing prices. The correlation between the optimal LTV ratio and the real return on assets is uncertain, which depend on the wealth of the household. The model suggests that the households with low-me

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24

CHEN, YI-CHE, and 陳毅哲. "The influence of cohabitation on saving ratio in Taiwan." Thesis, 2008. http://ndltd.ncl.edu.tw/handle/fuppww.

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碩士<br>世新大學<br>財務金融學研究所(含碩專班)<br>96<br>Using the database (Panel Study of Family Dynamics) provided by Program for the Study of Chinese Families, this paper deals with the effects of cohabitation of grown children with their parents on household saving in Taiwanese families. The following variables were examined to determine the main factors affecting household saving rate: living with or without married children, location of cohabitation, employment status, family bondingness, mortgage payment, and pension income. This study has reached following conclusions: For those who live with their marr

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25

Liu, Meiying, and 劉美櫻. "The Optimal Deposit Requirement Ratio For a Bank''s Loan." Thesis, 2002. http://ndltd.ncl.edu.tw/handle/29357846426738458316.

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碩士<br>國立彰化師範大學<br>商業教育學系<br>90<br>With banking business expanding drastically, customers’ credit has become an important issue faced by the banking industry. Although most of banks use several preventing methods, such as the deposit requirement ratio of a loan, to reduce credit risk, private intervention and infeasible decisions make those methods useless and invalidate. This paper set up a model to analyze the optimal deposit requirement ratio policy of a bank in proving a loan to a monopoly firm in a good market. The borrowing behavior of the borrower was examined along with the optimal depo

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26

CHEN, SHU-HAN, and 陳書涵. "A Study on Improve the Loan Protection and Life Saving in Taiwan." Thesis, 2017. http://ndltd.ncl.edu.tw/handle/05105937974645585628.

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碩士<br>逢甲大學<br>風險管理與保險學系<br>105<br>The credit union bring the Loan Protection and Life Saving from America in 1969. Because of changes in social structure, credit union, which is help social vulnerable groups, population aging is faster than the national average, that let the claim growth. Except the population aging, Loan Protection and Life Saving also have a problem of clause, actuarial, competent authority ambiguity of power and duties and weak communal relationship, those problems let operating difficulties in Loan Protection and Life Saving. In order to avoid this situation, we resol

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27

chou, hsiu mei, and 周秀美. "Earnings Management and Manipulate Financial Ratio to Meet the Loan Thresholds." Thesis, 2004. http://ndltd.ncl.edu.tw/handle/57417534351030652618.

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碩士<br>國立中央大學<br>企業管理學系碩士在職專班<br>92<br>Earnings Management and Manipulate Financial Ratio to Meet the Loan Thresholds This thesis investigates whether Taiwan small and medium enterprises (SMEs) attempt to manipulate earnings or financial to exceed the following the three thresholds when they apply the loan with bank. The three thresholds they concern are: 1) to report positive profits, that is, to avoid losses; to sustain recent performance, in other words, to avoid loss during have the loan contract with bank .2) to meet loan contract, SMEs keep liability ratio within 400%. 3) to get better

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28

You, Hong-Sheng, and 游宏生. "The Relationship Between Bank’s Non-performing Loan Ratio and Operational Performance." Thesis, 2014. http://ndltd.ncl.edu.tw/handle/78032094171256307537.

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碩士<br>嶺東科技大學<br>高階主管企管碩士在職專班<br>102<br>Due to the uncertainty of global financial market is increasing and the effect of Quantitative Easing, the competition between banks in Taiwan is worsening and lead to the rise of non-performing loan ratio. Generally, non-performing loan ratio is long been considered as an important indicator of bank’s quality of loans, and the quality of bank’s loans can reflect its operational performance. Therefore, the purpose of this study is to understand the relationship between bank’s non-performing loan ratio and operational performance. This study collected a 9

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29

Liao, Chia-Hui, and 廖家慧. "THE RELATIONSHIP OF CAPITAL ADEQUACY RATIO, OVERDUE LOAN RATIO AND THE OPERATING PERFORMANCE OF FINANCIAL SECTOR IN TAIWAN." Thesis, 2013. http://ndltd.ncl.edu.tw/handle/77181675491770510789.

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碩士<br>大同大學<br>事業經營學系(所)<br>101<br>Financial industries were seriously struck in financial crisis in 2008.The Bank of International Settlements (2010) had made Basel III strengthen capital requirement. Furthermore, Basel III which will raise the BIS ratio at 2016 and will want to set the BIS ratio to be 10.5% in 2019. The higher the CA ratio the operation is more robust and risk control is more effective, thus a better performance and profitability. Therefore, to increase profitability while with strict control of risk. The purpose of this paper is to investigate the effects of CA ratio and ove

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30

Cho, Yu-Tsai, and 卓有材. "Discussion Of Realty Tax Saving Plan and Floor Area Ratio Transfer." Thesis, 2016. http://ndltd.ncl.edu.tw/handle/57844697051753301128.

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碩士<br>義守大學<br>財務金融學系<br>104<br>Realty tax is part of the economic system that people is inevitable. Therefore, It needs to be understood the law and proper planning. In the study of the obligor regulations are by means of analyze preferential terms which are given by statute and plan. We can be reduced to pay tax or exempted. If we compare the no tax planning with tax planning, then the comparison result of the tax planning can be saved huge with including land tax, premises of one tax, land value increment tax, transfer of development rights, etc. For example, transfer of development rights u

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31

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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32

Wu, Yi-Fen, and 吳怡芬. "The Impact of Macroeconomic Variables on Non-Performing Loan Ratio Of The Banking." Thesis, 2007. http://ndltd.ncl.edu.tw/handle/52665283400403644370.

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碩士<br>世新大學<br>財務金融學研究所(含碩專班)<br>95<br>The aggregate non-performing loans ratio of domestic banks declines from 8.16% as of 2001 to current 2.33%, suggesting an improvement of the soundness of financial institutions. Because of the 2005 “cash card and credit card storm,” many banks sold their bad debt, significantly reducing their profitability. In 2006 RTC took over Taitung Business Bank and Enterprise Bank of Hualine as a consequence of these banks’ too high non-performing loans ratio and failed tries of capital injection. After the 2007 Rebar storm, RTC takes over the Chinese Bank. As of 200

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Liu, Chaofeng, and 劉兆峯. "The analysis of non-performing loan and capital adequacy ratio in Taiwan’s Banks." Thesis, 2011. http://ndltd.ncl.edu.tw/handle/44074917548021851857.

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碩士<br>中國文化大學<br>國際企業管理研究所<br>99<br>This paper examines the impact of Taiwan’s bank on two indicators of bank riskiness, namely banks’ non-performing loans and capital adequacy ratio, by using around 16 banks from the first quarter of 2004 until the first quarter of 2010, a total of 25quarters. We employ regression model and panel data model, at the same time we use descriptive statistics to illustrate by adopting seven financial indicators to discuss the reason between non-performing loan and capital adequacy ratio for each bank-depth study. According to our data, we give positive suggestion t

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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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CHANG, CHANG-YUNG, and 張永昌. "A study on the relationship between ownership structure and non-performing loan ratio." Thesis, 2012. http://ndltd.ncl.edu.tw/handle/22175242917300016400.

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Yu, Ya-Chun, and 游雅珺. "The relationship between internal control and non-performing loan ratio in banking industry." Thesis, 2019. http://ndltd.ncl.edu.tw/handle/u8645j.

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碩士<br>國立臺中科技大學<br>會計資訊系碩士班<br>107<br>The purpose of this study is to examine whether the quality of internal control has association with the bank''s non-performing loan ratios. In this study, the bank''s internal control quality is measured by whether the bank has internal control weaknesses. In addition, the study further explores whether new banks have higher non-performing loan ratios. The empirical results show that banks with internal control weaknesses will have higher non-performing loan ratios, compared with banks without internal control weaknesses, supporting the

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Lai, Chu-Tsung, and 賴竹崇. "Bank Market Share of the Ratio of Non-Performing Loan and Capital Adequacy Ratio Influence－The Role of Bank Governance." Thesis, 2011. http://ndltd.ncl.edu.tw/handle/02004766270052069809.

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碩士<br>亞洲大學<br>國際企業學系碩士在職專班<br>99<br>The main purpose of the study is to investigate the risk of marketing share on the impact of the bank. Further analysis of specific variables including bank management will affect the relationship between bank marketing share and risk. The study adopted data from the Taiwan Economic Journal (TEJ) database from 1996 to 2009 and collected samples of Taiwan's 32 banks, and 397 samples were obtained. The result of the basic model showed that when NPL ratio was measured by the risk, banks can effectively lower the marketing share of banking risk. When the bank ma

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Šubáková, Dominika. "Caps on Loan-to-Value ratio: Can they reduce housing bubble and credit growth?" Master's thesis, 2015. http://www.nusl.cz/ntk/nusl-347801.

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An increasing trend of using macroprudential instrument, caps on loan-to-value (LTV) ratio, requires a full understanding of how the instrument works in practice. As the empirical research is still scant, this thesis attempts to contribute with a new evidence on LTV effectiveness in context of six developed economies, namely Netherlands, Sweden, Ireland, Hungary, Latvia and Lithuania. To achieve this objective we analyse the impact of caps on LTV on credit growth, mortgage credit-to- GDP ratio and price growth. LTV limits are not a harmonised measure and its national-level implementation inclu

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Shiao, Wei-long, and 蕭偉龍. "The Effect of Macroeconomic Variables on Foreign and Domestic Bank''s Non-Performing Loan Ratio." Thesis, 2009. http://ndltd.ncl.edu.tw/handle/15404635023249159245.

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碩士<br>國立高雄第一科技大學<br>金融營運所<br>97<br>Non-performing loan ratio is a key index for examining the business stability of bank sector, and high non-performing loan ratio will threaten financial strength and reliability. Due to the importance of this issue, this research will discuss the influence of macro economic factors on the non-performing loan ratio of local banks and foreign banks in Taiwan via investigating the data between June 2004 to August 2008. An empirical study is conducted through Unit Root Test, Co-integration Test, Vector Error Correction Model, Granger Causality Test, Variation Ana

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Kuo-ChingChen and 陳國清. "Bank Credit Quality,Real Estate Variables and Housing Loan Overdue Ratio-Evidence from L Bank." Thesis, 2019. http://ndltd.ncl.edu.tw/handle/vev285.

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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>107<br>Abstract Bank Credit Quality,Real Estate Variables and Housing Loan Overdue Ratio-Evidence from L Bank Chen- Kuo Ching Hsuan-Chu Lin Graduate Institute of Finance,National Cheng Kung University SUMMARY The competition of domestic banks has been excessively fierce. In order to gain market share, the principle of bank credit has been loosened, resulting in a decline in the quality of credit, resulting in the overdue ratio of financial institutions overdue. Increased trend. How to improve the quality of bank credit and reduce the occurrence of overdue loan

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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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LIN, JING-CHANG, and 林敬昌. "The Impact of Basel III on Capital Buffer Ratio and Loan Behavior in Taiwan Banking Industry." Thesis, 2017. http://ndltd.ncl.edu.tw/handle/74667554605574349670.

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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>105<br>Due to the implementation of Basel III, Taiwan's banking industry faces more severe capital equirements.The purpose of this study is to explore the differences in the response of capital buffer ratio and the changes of the loan behavior in Taiwan banking industry. Further, this study analysis, holding method, shareholding characteristics and capitalization of the size of the bank, which is affected by Basel III implementation of what is particularly different from the Basel II reaction. This study is based on the data before and after Basel III implem

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Chang, Chuan-Shin, and 張傳欣. "A study of the relationship between non-performing loan ratio of domestic banks and business cycle." Thesis, 2013. http://ndltd.ncl.edu.tw/handle/66253938058111238581.

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碩士<br>中國文化大學<br>建築及都市設計學系碩士在職專班<br>102<br>Since the Asian financial crisis of July 1997, the domestic economy worse off, to the first quarter in 1999 the economy beginning gradually recovered. After the twists and turns, until the first quarter in 2009, according to data published by the CEPD, there were three distinct Taiwanese business cycles. During this period, but also because of the non-performing loan ratio of banks to improve the impact, prompting the government for financial reform. Therefore, this study will explore the relationship between the domestic bank's NPL ratio and the busin

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Chen, Wen-Ping, and 陳文斌. "A Study of Bank Performance in Taiwan — The Past-Due Loan Ratio as A Varity Factor." Thesis, 2002. http://ndltd.ncl.edu.tw/handle/24269643626824156620.

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Ho, Min-Han, and 何敏漢. "A Study of the Relationship Between Non-Performining Loan Ratio and Operation Performance for Domestic Banks." Thesis, 2010. http://ndltd.ncl.edu.tw/handle/52231517882813693370.

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碩士<br>淡江大學<br>全球華商經營管理數位學習碩士在職專班<br>98<br>This research adopts twenty-eight banks in nation’s entire financial industry, utilizing Panel Smooth Transition Regression Model, PSTR to examine independent variable’s nonlinear effect on Overdue-ratio’s volatility, and further on assessing, evaluating the effect on banks’ performance. This research determines that it does exist in nonlinear relation between Overdue Ratio, bank’s performance Return on Asset (ROA) and Return on Equity (ROE). ROA as variable, low overdue-ratio bank’s bank of international settlement ratio, debt/equity ratio and loan-to

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Liu, Chia-Wei, and 劉家瑋. "Parametric Study of Wet Air Return Ratio and Energy Saving Control Strategy for Cooling Tower." Thesis, 2011. http://ndltd.ncl.edu.tw/handle/5c552v.

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博士<br>國立臺北科技大學<br>機電科技研究所<br>99<br>Parameters of wet air return and energy saving control strategies for cooling towers are analyzed by theoretical modeling and partly field measurements. There are four major topics in this thesis, namely, the energy saving control of condensing water temperature, the condensing water flow rate control, the capacity coupling of cooling towers, and the parameters that affect the wet air return. A system performance factor (SPF) is used in the study of condensing water temperature control. A computation scheme is developed to seek the optimum condensing water

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Tu, Chih-yuan, and 凃智元. "The Impacts Of Deposit, Loan, Net Present Value On Non-Performing Loan Ratio Between The Subprime Crisis In Taiwan Banking System─Pool Regression And VAR Approach." Thesis, 2010. http://ndltd.ncl.edu.tw/handle/65842136553540016169.

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碩士<br>僑光科技大學<br>管理研究所<br>98<br>Subprime Mortgage crisis since 2007 has hit the global financial markets. It’s also affect whole world economy, especially the most developed countries in Europe and America. Since 1999 the Internet bubble, it could be the largest economic impact. The key is the innovation of financial products, they packaged loans into derivatives. Few years ago in United States, low interest rate extend the loan and increase very quickly. The financial institutions were expanding operations to satisfy borrowers, but in recent years the default rates in sub-prime market has incr

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Chi, Kai-Wen, and 紀凱文. "The Effect of Credit Guarantee and Financial Ratio on Loan of Small and Medium Enterprises in Taiwan." Thesis, 2005. http://ndltd.ncl.edu.tw/handle/46884837709772889809.

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碩士<br>中國文化大學<br>會計研究所<br>93<br>The New Basel capital accord is mainly concerned about the international conver-gence of the capital measurement and capital standards of banks. It will put into practice in the end of 2006. However, it makes great effect on not only financial institutions and large-sized enterprises but also small and medium enterprises. This study tries to figure out whether the factors-probability of default which has great influences on the credit risk of small and medium enterprises will differ under dif-ferent collateral and guarantee, and observes the changes of probabilit

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HUANG, MING-CHE, and 黃明哲. "Study on the Investment Strategy of Stopping Regular Small Saving Plan based on P/E Ratio." Thesis, 2011. http://ndltd.ncl.edu.tw/handle/79047647316453593239.

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碩士<br>銘傳大學<br>資訊管理學系碩士在職專班<br>99<br>This study targets bellwether stocks or large-cap stocks in each industry selected from the component stocks of the Taiwan 50 Index. The annualized return rate is calculated for the regular small saving plan and for an investment strategy based on P/E ratios of 10X and 15X. Statistic methods are further used to evaluate the performance in order to determine the optimal investment strategy. The study results indicate that the investment return rate of the regular small saving plan is better than the return rate of the investment strategy based on P/E ratios o

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CHEN, PAY-KUEN, and 陳佩焜. "CERTAINTY ON LOWERING NPL RATIO BY INCREASING LOAN AMOUNT AN EMPIRICAL STUDY FROM LENDING PRACTICES OF TAIWANESE BANKS." Thesis, 2006. http://ndltd.ncl.edu.tw/handle/68878738290850948373.

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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>94<br>In the past, most studies concerning behavioral finance theories focus mainly on individuals’ investment, whereas this paper examines financial institutions’ lending practice. While these two types of investors may be different in nature, they must measure risks and returns at the same time when that make a decision. Taiwanese banks operate in a regulated financial environment and consequently their lending decisions are under the influence of explicit lending policy that set forth by the authorities. In light of the theoretical framework of certainty eff

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