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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...
The Impact of General Credit Restraint on the Supply of Commercial Bank Consumer Installment Credit
credit the number of commercial bank the supply of consumer credit overall financial health
2011/9/2
The article discusses how credit restraint impacts the number of commercial bank consumers' installment credit. The objective of this article is to show that from 1965 to 1974, the supply of consumer ...
Credit Card Structures: Surviving the "Worst Case" Scenario
Credit Card Structures hard times credit card lenders credit card structures
2011/9/2
In this update to "Credit Card Structures and Their Ability to Weather Hard Times" published in the Spring 2008 issue of The Journal of Structured Finance, the author notes that the "hard times" refer...
Indirect Evidence on the Efficacy of Selective Credit Controls: The Case of Consumer Credit
an empirical analysis consumer durable expenditures adjustments in consumer credit extensions expenditure distribution
2011/9/2
The article focuses on an empirical analysis on if consumer durable expenditures respond to adjustments in consumer credit extensions, using the Sims test for causality. It states that there is eviden...
The Effects of Credit Ratings on Stock Returns in China
Domestic credit-rating agencies decisions of investors credit ratings rating outlooks
2011/9/2
Domestic credit-rating agencies in China have been criticized for having no effect on the decisions of investors. We examine whether credit ratings and rating outlooks of the listed companies that are...
Credit rating agencies in a post-Enron world: Congress revisits the NRSRO concept
the regulatory reforms credit rating industry Credit Rating Agency Reform competition between credit rating agencies
2011/9/2
This paper gives an overview of the regulatory reforms in the US credit rating industry, most notably through the Credit Rating Agency Reform Act of 2006. The paper first explicates the developments t...
Navigating the R&D Tax Credit
regular research credit alternative simplified credit taxpayers with in complete records contract research expenses
2011/9/2
The research and development credit of IRC § 41 can be a significant advantage for businesses that develop, design or improve products, techniques, software and similar activities. It can be calculate...
Fair Value Accounting for Liabilities and Own Credit Risk
credit risk debt fair value accounting income recognition
2011/9/2
We find that equity returns associated with credit risk changes are attenuated by the debt value effect of the credit risk changes, as Merton (1974) predicts. We find that the relation between credit ...
The valuation of special purpose vehicles by issuing structured credit-linked notes
market and credit risk analytic formulas Special Purpose Vehicle spot rate and equity index market
2011/9/2
With the intersection of market and credit risk, the first contribution is to derive the analytic formulas of the Credit Linked Notes (CLNs) and the leveraged total return CLNs issued by an Special Pu...
The article discusses a system for detecting the presence of credit card information on magnetic strips. Police in Nevada were puzzled to find criminals carrying large numbers of hotel keys. It turned...