scholarly journals Lifting the Banking Veil: Credit Standards’ Harmonization Through Lending Transparency

2020 ◽  
Author(s):  
Jung Koo Kang ◽  
Maria Loumioti ◽  
Regina Wittenberg Moerman
Keyword(s):  
Credit Standards ◽  
Standards Harmonization

scholarly journals Lifting the Banking Veil: Credit Standards’ Harmonization through Lending Transparency

2019 ◽  
Author(s):  
Jung Koo Kang ◽  
Maria Loumioti ◽  
Regina Wittenberg Moerman
Keyword(s):  
Credit Standards ◽  
Standards Harmonization

scholarly journals Does Banking Management Affect Credit Risk? Evidence from the Indian Banking System

2018 ◽  
Vol 6 (3) ◽  
pp. 67 ◽  
Author(s):  
Laxmi Koju ◽  
Ram Koju ◽  
Shouyang Wang
Keyword(s):  
Credit Risk ◽  
Default Risk ◽  
Banking System ◽  
Capital Requirements ◽  
Operating Efficiency ◽  
Investment Strategies ◽  
Empirical Results ◽  
Bank Managers ◽  
Credit Standards ◽  
The Impact

This study investigated the impact of banking management on credit risk using a sample of Indian commercial banks. The study employed dynamic panel estimations to evaluate the link between banking management variables and credit risk. The empirical results show that an increase in loan portion over total assets does not necessarily increase problem loans. The findings suggest that high capital requirements and large bank size do not reduce default risk, whereas high profitability and strong income diversification policies lower the likelihood of default risk. The overall empirical results supported the “operating efficiency”, “diversification” and “too big to fail” hypotheses, confirming that credit quality in the banking industry is mainly driven by profitability, banking supervision, high credit standards and strong investment strategies. The findings are relevant to bank managers, investors and bank regulators, in formulating effective credit policies and investment strategies.

scholarly journals DOCTRINAL BASICS OF THE LEGAL TECHNIQUE: COMPARATIVE ANALYSIS WITHIN THE EUROPEAN LEGAL FRAMEWORK

2014 ◽  
Vol 2 ◽  
pp. 177-185
Author(s):  
Alexander Malko ◽  
Margarita Kostenko
Keyword(s):  
Legal Framework ◽  
The Political ◽  
Historical Period ◽  
Social Transformations ◽  
Democratic Development ◽  
Legal Standards ◽  
European Cooperation ◽  
Legal Situation ◽  
Political Economic ◽  
Standards Harmonization

The legal technique was initially developed as a kind of “interpreter” for the legislative will in the legal language using a specific ingenuity of legal engineering. Historically, the theoretical base of the legal technique was formed on a phased basis, essentially stimulated by state reforms, social transformations, and active legislation systematization. It should be mentioned here that legal technique is a distinctive category reflecting the political, economic, and legal situation in the historical period of a certain state development, but being extra-national in itself.The resource harmonization of the legal technique within the European legal framework means norm-setting regulations, coordination, and elaboration of common recommendations for the European countries. The cooperation in the legal technique standards harmonization will require the all-European cooperation to the new level as far as legal standards, human rights, democratic development, legitimacy and cultural cooperation are concerned.

scholarly journals IPTEKS KEBIJAKAN PEMBERIAN FASILITAS KREDIT DI HOTEL FOUR POINTS BY SHERATON MANADO

2018 ◽  
Vol 2 (02) ◽  
Author(s):  
Stacy Englyn Baguna ◽  
Robert Lambey
Keyword(s):  
Hospitality Industry ◽  
Standard Operating Procedure ◽  
Hotel Management ◽  
Credit Policy ◽  
Credit Facility ◽  
Cash Payment ◽  
Standard Operating ◽  
Cash Discount ◽  
Operational Activities ◽  
Credit Standards

Management of hospitality industry should determine and apply non-cash payment policy and credit facility policy, as one of the way to increase sales and maximize profit for the company. Credit facility policy by hotel management causes the appearance of receivable. The purpose of this study was to identify credit policy applied at hotel Four Points by Sheraton Manado. Based on the study that has been done, management of hotel Four Points by Sheraton Manado has determine several policies for companies that want to get credit facility. The policies consider these four elements: Credit period, Credit standards, Collection policy, and Cash discount. Suggestion for each departments related to sales cycle is to understand and follow the Standard Operating Procedure (SOP) while performing their tasks.Keywords : Credit, Hotel, Account Receivable, Operational Activities, Tourism

scholarly journals Abnormal Loan Growth and Bank Profitability: Some Evidence from the Recent Crisis

2019 ◽  
Vol 14 (7) ◽  
pp. 36
Author(s):  
Simone Rossi ◽  
Mariarosa Borroni ◽  
Mariacristina Piva ◽  
Andrea Lippi
Keyword(s):  
Bank Profitability ◽  
Credit Growth ◽  
Crisis Period ◽  
Managerial Myopia ◽  
Lending Policy ◽  
European Banks ◽  
Loan Growth ◽  
Credit Standards ◽  
The Relationship

During healthy economic/financial times, credit growth often happens without proper provisioning. This is due to a managerial myopia that underestimates the risks underlying an expansive lending policy, leading to lower profitability in following years. However, given the countercyclicality of credit standards, this effect shouldn’t occur during harsh times. In this paper, we analyse the relationship between abnormal credit growth and bank profitability during a crisis period. In particular, we test the hypothesis that during a crisis, abnormal credit growth improves bank profitability, given the need for higher, or at least stable, credit standards. We find support for this assumption using a sample of 101 large European banks observed during the recent crisis period. Results are robust to different robustness checks.

Credit Standards and Cultures

1995 ◽  
pp. 101-109
Author(s):  
T. H. Donaldson
Keyword(s):  
Credit Standards
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