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FinSafeNet: securing digital transactions using optimized deep learning and multi-kernel PCA(MKPCA) with Nyström approximation. [PDF]

open access: yesSci Rep
Khan AR   +8 more
europepmc   +1 more source

Expanded Child Tax Credit, Family Health, and Material Hardships.

open access: yesJAMA Netw Open
Ettinger de Cuba S   +12 more
europepmc   +1 more source

Bank Credit Cycles [PDF]

open access: possibleReview of Economic Studies, 2007
Summary: 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 banks, but without knowing the competitor banks' credit standards.
G. B. Gorton, Ping He
openaire   +3 more sources
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Credit Information Sharing, Bank Size and Bank Credit Risk

2021 4th International Conference on Information Management and Management Science, 2021
Using the non-performing loan rate to proxy bank credit risk, this paper focuses to examine the impact of the level of regional credit information sharing on the credit risk of urban commercial banks. We find a significant negative relation between the level of regional credit information sharing and the non-performing loan rate of banks. It shows that
Huiling Liu, Yihan Li
openaire   +1 more source

Bank Leverage, Credit Traps and Credit Policies [PDF]

open access: possibleSSRN Electronic Journal, 2015
We construct an overlapping generations macroeconomic model with which to study the causes, consequences and remedies to ‘credit traps’ — prolonged periods of stagnant real activity accompanied by low productivity, financial sector undercapitalisation, and the misallocation of credit.
Foulis, Angus   +2 more
openaire   +1 more source

Credit Card Banking

Staff Reports (Federal Reserve Bank of New York)
Credit card interest rates, the marginal cost of consumption for nearly half of households, currently average 23 percent, far exceeding the rates on any other major type of loan or bond. Why are these rates so high? To understand this, and the economics of credit card banking more generally, we analyze regulatory account-level data on 330 million ...
Itamar Drechsler   +4 more
openaire   +3 more sources

Bank Credit Risk Analysis and Bank Credit Rating

2020
This chapter applies the criteria-based approach to the banking industry. Commercial banks are different from other enterprises in their core activities and thus the variables that determine bank failure are different. A commercial bank earns the bulk of its income from long-term loans funded by shorter-term retail deposits and wholesale borrowings—a ...
Terence M. Yhip, Bijan M. D. Alagheband
openaire   +1 more source

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