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银监会提高容忍度 小微企业贷款不良率可达5%
银监会 小微企业 贷款
2011/9/29
2011年9月28日，银监会监管二部主任肖远企在中国银行业协会举办的银行前沿问题大讲堂上表示，监管部门对小微企业贷款的不良贷款率的容忍度可以提高到5%，这也是监管部门首次透露这一数据。
Bank Credit Cycles
potential borrowers the bank’s credit lending standards priced risk factor an autonomous source macroeconomic fluctuations
2011/9/2
A bank determines whether potential borrowers are creditworthy, that is, whether they meet the bank’s credit or lending standards. In making this determination, each bank is in competition with other ...
Giving Credit where it's Due: Promoting Financial Inclusion through Quality Credit Unions
Financial Inclusion Task Fund tackle financial exclusion credit unions imaginatively and effectively
2011/9/2
Early in 2005, HM Treasury established a Financial Inclusion Task Fund to support initiatives to tackle financial exclusion. It envisages that a substantial proportion of this funding will be allocate...
Credit Derivatives and their Applicability to the Turkish Banking Sector
collateralised debt obligation credit default swap Credit derivatives credit linked note credit spread option
2011/9/2
Credit derivatives are financial contracts that offer protection against credit risk of bonds or loans. The most common forms of credit derivatives are credit default swaps, total return swaps, credit...
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...
The article presents information on changes to the U.S. tax code for 2009, focusing on opportunities for deductions. These include the American Opportunity credit, for college education; the First-Tim...
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...