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Consumer Emotions and Personality Traits in Augmented Reality
Journal of Consumer Behaviour, EarlyView.ABSTRACT Augmented reality (AR) is an immersive and personalizable technology that has entered and expanded within the consumer market, yet the dynamics of valence, especially in relation to both positive and negative emotions and traits, remain underexplored.
Pei‐Shan Soon, Weng Marc Lim
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The Role of Reward Certainty and Incidental Emotion in Encouraging Pro‐Environmental Behaviors
Journal of Consumer Behaviour, EarlyView.ABSTRACT Rewards are effective promotional tools for promoting desirable behaviors, strengthening engagement, and incentivizing pro‐environmental actions. Integrating expectancy theory and the appraisal tendency framework, this research investigated the interplay of reward certainty and incidental emotions on pro‐environmental behaviors. While previous
Calvin Wan, Phoebe Wong, Elmina Homapour
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Liquidity and Credit Risk [PDF]
The Journal of Finance, 2003 ABSTRACTWe develop a structural bond valuation model to simultaneously capture liquidity and credit risk. Our model implies that renegotiation in financial distress is influenced by the illiquidity of the market for distressed debt. As default becomes more likely, the components of bond yield spreads attributable to illiquidity increase.
Jan ERICSSON, Olivier RENAULT
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SSRN Electronic Journal, 2001 PurposeThis paper aims to propose a new method for credit risk allocation among economic agents.Design/methodology/approachThe paper considers a pool of bank loans subject to a credit risk and develops a method for decomposing the credit risk into idiosyncratic and systematic components.
Harris Schlesinger +3 more
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SSRN Electronic Journal, 1998 In order to take advantage of credit portfolio management opportunities, management must first answer several technical questions: What is the risk of a given portfolio? How do different macroeconomic scenarios, at both the regional and the industry sector level, affect the portfolio's risk profile? What is the effect of changing the portfolio mix? How
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Credit Risk and Credit Rationing
The Quarterly Journal of Economics, 1960I. Approaches to credit rationing, 258. — II. The influence of credit risk on loan payoff, 259. — III. Implications for lender behavior and borrower access to credit, 267. — IV. The central bank's influence, 275.
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Unemployment and credit risk [PDF]
Journal of Financial Economics, 2016 Abstract Labor market frictions help explain the credit spread puzzle. In U.S. aggregate data and newly assembled U.S. industry-level and cross-country panel datasets, the relation between unemployment and credit risk is strong and positive. In a search model of equilibrium unemployment embedded with defaultable debt and capital accumulation, search ...
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Credit Risk Management and Credit Derivatives [PDF]
, 2014 Credit risk management is an important issue in banking. In this chapter we give an overview of the models for calculating the default risk exposure of a credit portfolio. The primary goal of these models is to help credit analysts define whether a loan should be issued, which risk premia is appropriate and how much capital should be directed to the ...
Jürgen Franke +2 more
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Credit Risk-Mitigation Techniques and Credit Risk Protection
2022Abstract This chapter assesses credit risk mitigation (CRM) techniques and credit risk protection. Managing the risk of default of bank counterparties is, if possible, the most important objective of banks engaged in lending. The lower the counterparty’s creditworthiness, the stronger the collateral must be for a bank to be prepared to ...
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, 2010 Financial institutions are interested in loss protection and loan insurance. Thus determining the loss reserves needed to cover the risk stemming from credit portfolios is a major issue in banking. By charging risk premiums a bank can create a loss reserve account which it can exploit to be shielded against losses from defaulted debt.
Wolfgang Karl Härdle +2 more
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