搜索结果: 16-30 共查到“知识库 信贷理论”相关记录481条 . 查询时间(3.483 秒)
The Neoclassical Growth Model with Heterogeneous Quasi-Geometric Consumers
neoclassical growth model time inconsistency quasi-geometric discounting hyperbolic discounting idiosyncratic shocks wealth inequality
2015/7/21
This paper investigates how the assumption of quasi-geometric (hyperbolic) discounting affects the distributional implications of the standard one-sector
neoclassical growth model with infinite...
Liquidity Constraints and Imperfect Information in Subprime Lending
Subprime Lending Imperfect Information
2015/7/17
Access to credit markets is generally considered a hallmark of developed economies. In the
United States, most households appear to have substantial ability to borrow; indeed, households
in the Un...
We study the adoption of automated credit scoring at a large auto finance company and the
changes it enabled in lending practices. Credit scoring appears to have increased profits by
rou...
The Optimal Taxation of Height:A Case Study of Utilitarian Income Redistribution
Taxation Wages Personal Characteristics
2015/5/14
Should the income tax include a credit for short taxpayers and a surcharge for tall ones? The standard Utilitarian framework for tax analysis answers this question in the affirmative. Moreover, a plau...
Applying Modern Risk Management to Equity and Credit Analysis
Risk Management Valuation Financial Reporting Decision Making Credit Financial Statements
2015/5/13
Traditional conventions of accounting and actuarial science distort the valuation of capital risk in corporations with pension plans because under these conventions, pension assets and liabilities are...
Corporate Financial Policies in Misvalued Credit Markets
Debt Misvaluation Capital Structure Cash Holdings Credit Ratings
2015/4/29
We theoretically and empirically investigate the repercussions of credit market misvaluation for a firm's borrowing and investment decisions. Using an ex-post measure of the accuracy of credit ratings...
Finance and Social Responsibility in the Informal Economy:Institutional Voids,Globalization and Microfinance Institutions
Institutional Voids Microfinance Institutions Economic Globalization Social Globalization
2015/4/28
We examine the heterogeneous effects of globalization on the interest rate setting by microfinance institutions (MFIs) around the world. We consider MFIs as a mechanism to overcome the institutional v...
Saving More to Borrow Less:Experimental Evidence from Access to Formal Savings Accounts in Chile
Saving Poverty Borrowing and Debt Chile
2015/4/28
Poverty is often characterized not only by low and unstable income, but also by heavy debt burdens. We find that reducing barriers to saving through access to free savings accounts decreases participa...
FIN Around the World: The Contribution of Financing Activity to Profitability
Domestic Credit Return Of Equity Corporate Performance Financial Statement Analysis Financial Statements Valuation Cost of Capital Asset Pricing Economic Growth
2015/4/27
We study how the availability of domestic credit influences the contribution that financing activities make to a firm's return on equity (ROE). Using a sample of 51,866 firms from 69 countries, we fin...
Cyclicality of Credit Supply: Firm Level Evidence
Business Cycles Borrowing and Debt Credit Banks and Banking Bonds Financial Markets Financing and Loans
2015/4/23
Theory predicts that there is a close link between bank credit supply and the evolution of the business cycle. Yet fluctuations in bank-loan supply have been hard to quantify in the time-series. While...
碳排放权质押贷款运作模式及其估价模型选择研究
碳排放权 质押贷款 期权特征 估价模型
2015/5/27
本文运用中国现有碳排放权质押贷款的三种融资模式解析中国碳排放权质押贷款业务运作中的关键问题，并借鉴欧美发达国家的先进经验，构建碳排放期权估价模型，设计基于碳交易融资平台的碳排放权质押贷款运作流程，提出打造国际化水平的碳排放权交易质押贷款运营平台的政策建议。
小额贷款公司风险与防范浅析
小额贷款公司 风险 防范
2015/7/16
本文从财务监管的角度出发，结合市场现状及小额贷款公司运营现状进行风险分析及应对建议，希望能够为小贷公司有效防范和控制风险、提高贷款质量、保证信贷资产安全提供一些参考。
中国小额贷款公司资金解决方案探讨
小额贷款公司 资金解决方案
2015/7/16
小额贷款公司因受到资金政策瓶颈限制，其发展受到影响。随着各地方政府对于小额贷款公司的重视程度提高，资金政策瓶颈限制有所放松，实践中小额贷款公司的资金解决方案正在不断增加。本文归纳、整理、分析实践中可采用的债权融资模式、股权融资模式及中间业务模式等三大类资金解决方案，以期对广大小额贷款公司的实际运用带来借鉴与启示。
为防范物流金融贷款业务的信用风险，本文借助传统贷款业务信用风险度量方法，建立了物流金融贷款业务中的信用风险测算体系和具体的评价指标体系，并在此基础上进行了实证分析，结果表明，这一体系能较好地度量物流金融贷款业务中的信用风险。