Results 141 to 150 of about 10,825 (309)
Equine Veterinary Journal, EarlyView.Abstract Background There is emerging evidence for the role of the immune system in osteoarthritis (OA) pathophysiology; however, little is known about how immune cells and the synovial transcriptome are altered in naturally occurring equine OA. Objectives To evaluate synovial fluid (SF) and synovial membrane (SM) immune cell populations and the SM ...
E. J. Secor +7 more
wiley +1 more source
Do Defaults on Payday Loans Matter?
SSRN Electronic Journal, 2014 This essay examines the effect on a borrower’s financial health of failure to repay a payday loan. Recent regulatory initiatives suggest an inclination to add an “ability to pay” requirement to payday-loan underwriting that would be fundamentally inconsistent with the nature of the product. Because the premise of that regulation would be that borrowers
openaire +2 more sources
Economic Loan Loss Provision and Expected Loss [PDF]
The intention of a loss provision is the anticipation of credit's expected losses by adjusting the book values of the credits. Furthermore, this loan loss provision has to be compared to the expected loss according to Basel II and if necessary, equity ...
Sebastian Ostrowski, Stefan Hlawatsch
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Predicting EU Emissions Allowance Prices Using Macroeconomic Indicators and Hybrid AI Models
Journal of Forecasting, EarlyView.ABSTRACT Predicting carbon allowance prices has grown more crucial in relation to carbon market regulation, financial strategy, and environmental policy development. This study examines a hybrid forecasting system that combines deep learning with ensemble machine learning models to forecast the price fluctuations of EU Emissions Allowance (EUAs) within
Saptarshi Ganguly +2 more
wiley +1 more source
Is there Any Dependence Between Consumer Credit Line Utilization and Default Probability on a Term Loan? Evidence from Bank-Level Data [PDF]
Whereas recent studies on revolving lines of credit suggest a positive relationship between exposure at default and default probability on the line, this paper considers the relationship between two financial instruments through the simultaneous analysis
Georges Dionne +2 more
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Holding out on restructuring negotiations: A legal analysis over Finnish and Swedish legislation
International Insolvency Review, EarlyView.Abstract This article examines how Finnish and Swedish restructuring laws create opportunities for creditors to hold out on restructuring negotiations. Using Anthony Casey's new bargaining theory and the traditional creditors' bargain model as analytical frames, the study argues that holdouts arise when ex ante rights – particularly security interests,
Anssi Kärki
wiley +1 more source
The Fluctuating Default Risk of Australian Banks [PDF]
Australian banks are widely considered to have fared far better during the Global Financial Crisis (GFC) than their global counterparts, continuing to display solid earnings, good capitalisation and strong credit ratings.
David E Allen, Robert Powell
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International Insolvency Review, EarlyView.Abstract This paper conducts a comparative legal analysis of corporate restructuring frameworks in England and Bhutan, examining their capacity to integrate climate variability considerations and promote sustainable business practices. It discusses the procedural mechanisms for restructuring financially distressed enterprises available under the law of
Eugenio Vaccari, Migmar Lham
wiley +1 more source
This document is the Data Management Plan (DMP) for the project "Loan Default Prediction" It describes how the input data, trained models, and output artifacts are managed according to the FAIR principles (Findable, Accessible, Interoperable, Reusable).
openaire +1 more source
Pitfalls in modeling loss given default of bank loans [PDF]
The parameter loss given default (LGD) of loans plays a crucial role for risk-based decision making of banks including risk-adjusted pricing. Depending on the quality of the estimation of LGDs, banks can gain significant competitive advantage.
Gürtler, Marc, Hibbeln, Martin
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