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Consumer credit card ownership and usage practices: empirical evidence from Sri Lanka
Consumer credit card ownership credit card usage credit cards
2011/8/26
Knowledge that has been accumulated through research efforts concerning credit card ownership and usage behaviour has been confined to Western societies. Given the importance of cross-national applica...
On multiple-class prediction of issuer credit ratings
industry effect issuer credit rating market-driven variable optimal cutoff value ordered probit model selection bias
2011/8/26
For multiple-class prediction, a frequently used approach is based on ordered probit model. We show that this approach is not optimal in the sense that it is not designed to minimize the error rate of...
Transitional credit modelling and its relationship to market value at risk: an Australian sectoral perspective
Conditional value at risk Credit risk Industries Transition matrix Value at risk
2011/8/26
Internal credit risk modelling is important for banks for the calculation of capital adequacy in terms of the Basel Accords, and for the management of sectoral exposure. We examine Credit Value at Ris...
how credit scores can make a difference for your revenue cycle
credit score payment and credit history types of credit bad debt and cost
2011/8/26
The article reports on the importance of the use credit score in healthcare facilities in the U.S. It is expressed that the scoring represents individual creditworthiness taken from payment and credit...
Credit for What? Informal Credit as a Coping Strategy of Market Women in Northern Ghana
the use of informal credit managing risks costs of risk management strategies monetary dimension
2011/8/26
This paper explores the use of informal credit as a strategy for managing risks by market women in northern Ghana. A broad concept of the costs of risk management strategies is introduced and encompas...
Credit scoring using an Ant mining approach
ant colony systems classification Credit scoring feature selection rule extraction
2011/8/26
Credit scoring or credit risk assessment is a domain of major importance for financial institutions. Accurate predictions can lead to significant savings for the institutions. In the current work we e...
Discussion of 'Credit Ratings and Taxes: The Effect of Book-Tax Differences on Ratings Changes'
Credit ratings and taxes book-tax differences ratings changes
2011/8/26
The article reviews the paper in the current issue entitled "Credit ratings and taxes: The effect of book-tax differences on ratings changes" by B. Ayers, S. Laplante, and S. McGuire.
WHERE IS THE MISSING CREDIT CARD DEBT? CLUES AND IMPLICATIONS
comparable estimates aggregate credit card industry data credit card borrowing and outcomes of interest
2011/8/26
I create comparable estimates of aggregate credit card use based on household data from the Survey of Consumer Finances (SCF) and industry data. The two sources match up well on credit card charges an...
An Empirical Analysis of the Dynamic Relation between Investment-Grade Bonds and Credit Default Swaps
theoretical equivalence credit spreads equilibrium condition discovery process
2011/8/23
We test the theoretical equivalence of credit default swap (CDS) prices and credit spreads derived by Duffie (1999), finding support for the parity relation as an equilibrium condition. We also find t...
Forecasting credit migration matrices with business cycle effects—a model comparison
credit risk credit VaR forecasting transition matrices
2011/8/23
Migration matrices are considered a major determinant for credit risk management. They are widely used for credit value-at-risk determination, portfolio management or derivative pricing. It is well kn...
WHAT TO DO WHEN THE BANK PULLS YOUR LINE OF CREDIT
small business availability of money local community banks alternative lenders
2011/8/23
The article offers insights on what small business owners need to do when the bank pulls their line of credit. It discusses the availability of money from local community banks, local credit unions an...
The Failure of Price Competition in the Turkish Credit Card Market
banking credit cards price competition system GMM
2011/8/23
The failure of competition and the consequent high and sticky interest rates in credit card markets have recently been the subject of considerable debate and research. This paper presents the first re...
Inefficient Credit Booms
the welfare properties competitive equilibria financial frictions preventive policies
2011/8/23
This paper studies the welfare properties of competitive equilibria in an economy with financial frictions hit by aggregate shocks. In particular, it shows that competitive financial contracts can res...
CREDIT RISK MODELING USING TIME-CHANGED BROWNIAN MOTION
credit derivative Credit risk default probability first passage time
2011/8/22
Motivated by the interplay between structural and reduced form credit models, we propose to model the firm value process as a time-changed Brownian motion that may include jumps and stochastic volatil...
FACTORS AFFECTING THE GROWTH OF BANK CREDIT CARD AND CHECK CREDIT
regulatory and economic determinants credit-card general credit restraint temporary aberrations
2011/8/22
The purpose of this study is to update previous studies ([1], [2], [3], [4], [5], [7], [8]) using new data where possible and updated data series to resolve open issues relating to the regulatory and ...