搜索结果: 136-150 共查到“信贷理论”相关记录510条 . 查询时间(4.632 秒)
The value of credit card benefits
various economic incentives credit card cash payment float
2011/8/22
Banks offer various economic incentives to customers to pay with their credit card rather than cash. Still, many individuals either elect to pay with cash or are unable to acquire credit cards. What b...
Do Credit Cards Really Reduce Aggregate Money Holdings?
Aggregate money holdings Credit card
2011/8/22
This paper discusses whether the use of credit cards reduces aggregate money holdings in an economy. Applying and modifying the Baumol-Tobin model (Baumol Quarterly Journal of Economics 66:545-556, an...
Analyst Following and Credit Ratings
relation issuer credit ratings the monitoring informational roles
2011/8/22
This paper examines the relation between financial (equity) analyst following and default risk, which we proxy by issuer credit ratings. We hypothesize that analyst following reduces default risk beca...
The Importance of Adverse Selection in the Credit Card Market: Evidence from Randomized Trials of Credit Card Solicitations
adverse selection consumer credit credit cards household finance
2011/8/22
Analyzing unique data from multiple large-scale randomized marketing trials of preapproved credit card solicitations by a large financial institution, we find that consumers responding to the lender's...
DOES A HIGHER MINIMUM WAGE ENHANCE THE EFFECTIVENESS OF THE EARNED INCOME TAX CREDIT?
interactions minimum wages policy variation Current Population Survey
2011/8/22
The authors estimate the effects of the interactions between the Earned Income Tax Credit (EITC) and minimum wages on labor market outcomes. They use information on policy variation from the Departmen...
Credit Access, the Costs of Credit and Credit Market Discrimination
Bank credit Debt payments Discrimination Household credit Interest rates Loan denials
2011/8/22
Since the early 1990s, credit expanded relative to income, especially after 2001. It is hypothesized that traditionally uneven credit access and gaps in the costs of credit by demographic characterist...
Personal Bankruptcy and Credit Market Competition
personal bankruptcy rates exogenous variation market contestability lending productivity
2011/8/22
We document a link between U.S. credit supply and rising personal bankruptcy rates. We exploit the exogenous variation in market contestability brought on by banking deregulation—the relaxation of ent...
Measuring college students' choice criteria of credit cards: scale development and validation
College students' choice criteria Credit cards scale development and validation
2011/8/22
Despite the growing debate about college students' credit card debt (Roberts 1998; Manning 1999; Warwick and Mansfield 2000; Palmer et al. 2001; McNamara 2003) and students' choice criteria of retail ...
THE "NEGATIVE" CREDIT CARD EFFECT: CREDIT CARDS AS SPENDING-LIMITING STIMULI IN NEW ZEALAND
conditioning credit card effect credit cards perceived value
2011/8/22
The "credit card effect" describes a finding where greater value is given to consumer items if credit card logos are present. One explanation for the effect is that credit cards elicit spending behavi...
Credit Ratings and Taxes: The Effect of Book-Tax Differences on Ratings Changes
credit analysts book and taxable income
2011/8/22
This paper examines whether credit analysts utilize the information contained in the difference between book and taxable income in analyzing a firm’s credit risk. Increased book–tax differences may be...
Consumer Credit: A Primer for Financial Service Professionals and Their Clients
financial crisis Responsibility and Disclosure credit card
2011/8/22
As a result of restricted lending following the recent financial crisis, implementation of the 2009 Credit Card Accountability, Responsibility and Disclosure (CARD) Act, and widespread changes in cred...
美国农业信贷系统发展经验及启示
美国 农业信贷 发展经验 启示
2011/8/31
美国农业信贷系统成立于1916年，是全美范围的金融合作组织，是五大政府赞助企业中唯一能直接提供贷款的金融合作组织，依法向信誉良好的农业借款人提供贷款。截至2009年底，美国农业信贷系统总资产已达2140亿美元，成员借款人达50万人。
住房抵押贷款证券化的提前偿付风险分析
住房抵押贷款证券化 提前偿付 风险分析
2011/8/25
住房抵押贷款证券化是原始的抵押贷款形式从投资者与标的物之间的直接物权关系，转化为新的债务关系。具有优化金融机构的资产结构，提高住房抵押贷款的变现能力。住房抵押贷款证券化运行过程中存在很多风险，在住房抵押证券化的基础上，分析提前偿付风险的决定因素及相关模型，并对我国的提前偿付风险进行了简单的分析总结。目前我国已经开始对住房抵押贷款证券化进行试点，所以各种体系不完善，市场还不成熟，各种风险也疏于防范。...
道德风险下隐性不良贷款研究
隐性不良贷款 道德风险
2011/9/1
以往对不良贷款的研究主要着重于不良贷款的产生原因以及对不良贷款处理方式的研究上，对于银行隐藏的不良贷款即隐性不良贷款问题由于缺乏数据而很少研究。本文着重研究了隐性不良贷款的隐藏方法以及在企业道德风险影响下不良贷款率的变动关系。
信托公司信托业务创新的优势、问题及对策
信托业务 创新 监管
2011/9/1
新办法实施后的信托公司业务创新一直是监管部门推动的重点工作，但我国信托业务创新发展较慢，在存续信托业务中体现自主管理能力及创新型的信托业务规模仍然较低，本文对我国信托业务创新的优势进行分析，对影响创新业务的主要问题和困难进行梳理并提出相应的对策。