Wroclaw Review of Law, Administration and Economics, 2021 The study analyses the changes in financing the purchase of residential real estate based on a mortgage in Poland, caused by the outbreak of the COVID-19 pandemic in its initial stage, that is, the period from March to September 2020.
Sadowa Agnieszka
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Carbon Footprint of Bank Loans: Opportunities and Risk Implications in the Banking Industry
Business Strategy and the Environment, EarlyView.ABSTRACT This study examines whether the carbon footprint of bank loan portfolios influences bank stability, profitability and cost efficiency and whether regulatory quality moderates these relationships. Using a balanced panel of 33 countries from 2005 to 2018, the analysis combines banking‐sector indicators from the World Bank Global Financial ...
Honglei Wang +5 more
wiley +1 more source
Development of company's creditworthiness analysis model based on the characteristics of the national market [PDF]
Industrija, 2019 The main issue for all creditors in the Republic of Serbia is how to effectively lend to companies, with adequate increase of rate of return. Namely, domestic creditors are using traditional credit analysis methods, which are very slow and very expensive,
Ilić Miloš +2 more
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Will they repay their debt? Identification of borrowers likely to be charged off
Management şi Marketing, 2020 Recent increase in peer-to-peer lending prompted for development of models to separate good and bad clients to mitigate risks both for lenders and for the platforms.
Caplescu Raluca Dana +3 more
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The Influence of Different Types of Trust, Perceived Objectivity, and Perceived Risk on the Preferred Involvement of AI for Subjective and Objective Tasks. [PDF]
Risk AnalABSTRACT Artificial intelligence (AI) is increasingly involved in decision‐making. While many consumers currently use AI for minor tasks such as music recommendations or for improving writing, it can also be used for more consequential decisions such as medical diagnoses or financial recommendations.
Michel F, Siegrist M.
europepmc +2 more sources
Can Credit Rating Changes Affect Corporate Carbon Emissions? Some Evidence From the S&P 500
Business Strategy and the Environment, EarlyView.ABSTRACT Using panel data on US S&P 500 firms from 2012 to 2024, this study examines how credit rating changes affect corporate carbon performance. Drawing on the resource‐based view and prospect theory, we show that credit rating downgrades lead to a statistically and economically significant deterioration in emission reduction scores.
Michal Wojewodzki +4 more
wiley +1 more source
Assessing the creditworthiness of the client
, 2012 This thesis analyzes problems related to the client's creditworthiness, i.e. assessing the ability of the client properly and on time to meet their obligations to banks and other financial institutions. The core of the thesis is to demonstrate individual
Štorkánová, Lenka
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Does Disclosure Type Matter? Climate‐Related Financial Disclosures and Corporate Performance
Business Strategy and the Environment, EarlyView.ABSTRACT Our study examines the financial implications of corporate climate‐related financial disclosures while distinguishing between quantitative and qualitative disclosures. We use a multiple‐period difference‐in‐differences approach to analyze Japanese firms listed on the Tokyo Stock Exchange Prime Market from 2019 to 2023.
Alexander Ryota Keeley +4 more
wiley +1 more source
Climate Risk and Real Estate Markets in the EU: Institutional Control Through Regulation
Business Strategy and the Environment, EarlyView.ABSTRACT Climate change is increasingly reshaping the economic foundations of asset markets, yet its implications for the estate sector remain unevenly understood, particularly when institutional and financial mechanisms mediate risk transmission. While a growing body of evidence links climate vulnerability to property valuation and market behaviour ...
Qiulin Yang +4 more
wiley +1 more source
THE PRACTICAL APPLICATION OF THE ACCOUNTING INFORMATION IN THE CREDIT ACTIVITY THROUGH THE ASSESSMENT OF THE CREDITWORTHINESS OF THE CREDIT APPLICANTS [PDF]
Analele Universităţii Constantin Brâncuşi din Târgu Jiu : Seria Economie, 2019 Although banks have been conducting credit lending activities for centuries by using traditional credit risk assessment methods, the scientific art of credit risk management has evolved over the last few years along with the Basel agreement.
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