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Do Firms Target Credit Ratings or Leverage Levels?
Firms reduce leverage credit rating downgrades net equity assets compared Rating upgrades
2011/9/2
Firms reduce leverage following credit rating downgrades. In the year following a downgrade, downgraded firms issue approximately 1.5%--2.0% less net debt relative to net equity as a percentage of ass...
This study examines the factors that are related to the growth of credit union liabilities. We use individual credit union data on deposit categories and their associated interest rates to measure the...
Fueling the Credit Crisis: Who Uses Consumer Credit and What Drives Debt Burden?
consumer debt credit attitude personal savings
2011/9/2
Excessive household debt contributed to the worst recession in decades. Insights about borrowing and spending behavior can inform economic recovery forecasts, policy decisions, and financial education...
Do credit default swaps predict currency values?
four currencies the US Dollar the lead-lag relationship Credit Default Swapmarket the currency market
2011/9/2
Using daily data of four currencies (Japanese Yen (JPY), Euro (EUR), British Pound (GBP) and Australian Dollar (AUD)) in terms of the US Dollar (USD), and JPY, USD, GBP and AUD in terms of the EUR fro...
CREDIT REGULATIONS AND CONSUMER BUYING - A CRITICAL EVALUATION OF AVAILABLE CONSUMER CREDIT STATISTICS
a critical evaluation available consumer credit statistics three principal types of credit statistics periodic basis
2011/9/2
The article presents a critical evaluation of available consumer credit statistics. It is reported that there are three principal types of consumer credit statistics available on a regular or periodic...
BATTLE ROYAL: CREDIT VS. DEBIT
the relative merits credit cards personal finance protection against fraud balance
2011/9/2
The article presents a discussion of the relative merits of credit cards, debit cards, and cash in terms of personal finance. The advantages of credit cards include better protection against fraud, bu...
The article presents information on credit cards, focusing on the risks associated with companies that claim they can offer low interest rates, balance transfers, and instant approvals. Methods for co...
THE NEW RULES OF CREDIT CARDS
credit-card issues consumers fuming over changes lawmakers delinquencies and defaults
2011/9/2
This article deals with credit-card issues facing consumers in the U.S. American cardholders are fuming over changes in the terms of the agreements they had with their credit-card companies. As a resu...
Multiple Credit Ratings, Cost of Debt and Self-Selection
credit ratings default risk selection bias
2011/9/2
In a world where firms pay for credit ratings and (because of regulatory requirements) where some investors must pay attention to the ratings of some specified set of raters, it may well be in the int...
Credit Crunch, Social Mobility and the Quest for Sustainable Communities: Revisiting the Possibility of Social Credit
social credit sustainable communities socioeconomic background an appropriate mode
2011/9/2
The article focuses on the possible use of social credit in building sustainable communities. It discusses the linkages between social credit, social mobility, and sustainable communities that suggest...
Payday Loans and Credit Cards: New Liquidity and Credit Scoring Puzzles?
liabilities and credit scores consumer credit market the effectiveness of consumers' ability lowest-cost credit options
2011/9/2
The article focuses on research into household choices between liabilities and credit scores in the consumer credit market. It examines the effectiveness of consumers' ability to prioritize the use of...
THE USEFULNESS OF "OTHER" LOANS AS A CURRENT INDICATOR OF MOVEMENTS IN CONSUMER CREDIT
consumer credit economic activity weekly series consistent indicator
2011/9/2
This article focuses on the role that consumer credit plays in economic activity. One of the article's goals is to call attention to the "Other" loans entry on the United States Federal Reserve Board'...
The use of credit scoring in the mortgage industry
BASEL II credit risk credit scoring Mortgage scoring scorecard
2011/9/2
In times of increased focus on risk management, acquiring or growing comparaatively low risk mortgage portfolios has become an attractive value proposition. Banks that pursue an aggressive growth stra...
CREDIT RISK AND INCOMPLETE INFORMATION:: FILTERING AND EM PARAMETER ESTIMATION
contagion Default risk EM algorithm extended Kalman filter factor models partial information
2011/9/2
We consider a reduced-form credit risk model where default intensities and interest rate are functions of a not fully observable Markovian factor process, thereby introducing an information-driven def...
COST OF PROVIDING CONSUMER CREDIT: A STUDY OF FOUR MAJOR TYPES OF FINANCIAL INSTITUTIONS
Consumer credit consumer finance companies manufacturing corporations Average finance charges
2011/9/2
Consumer credit is supplied in many forms, ranging from small, unsecured loans to long-term contracts of thousands of dollars protected by valuable collateral. It is sometimes provided on a personaliz...