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Thesis--Heidelberg, Universität, 2004. Universiẗat, Diss., 2004--Heidelberg. / Includes bibliographical references (p. 240-256).

Thesis (Ph. D.)--University of Hong Kong, 1999. / Includes bibliographical references (leaves 108-109).

Thesis (Ph. D.)--University of California, Los Angeles, 2002. / Vita. Includes bibliographical references (leaves 134-141).

Thesis (Ph. D.)--American University, 1991. / Includes bibliographical references (leaves 229-253).

Thesis (PhD)--AUT University, 2009. / Includes bibliographical references. Also held in print (xv, 236 leaves : ill. ; 30 cm.) in the Archive at the City Campus (T 332.742095493 SAL)

Thesis (Ph. D.)--University of Wisconsin--Madison, 1995. / eContent provider-neutral record in process. Description based on print version record. Includes bibliographical references (leaves 392-414).

This thesis presents a comparison of the loan to deposit ratios of Texas banks along the Mexican border and banks located throughout the rest of the state. Mean characteristics of the two groups (i.e. border and non-border groups) are presented. A multivariate regression model is used to examine the extent to which various operating ratios of the banks and differing economic conditions of the communities in which the banks are located help explain the loan to deposit ratios of the banks involved in this study. The model incorporates data from 1984-1989. No evidence was found to refute the hypothesis that Texas border banks have a lower loan to deposit ratio than their non-border counterparts. The evidence points to a need for developmental capital, supplied by some form of development bank.

The primary objective of the study was to develop a model which allowed banks to measure home loan risk and determine prices accordingly. A survey among banks revealed: 1. belief that the home loan market is more risky than 5 years ago 2. belief that lending in the "black" market is riskier than lending in the "white" market 3. no model is used which allows risk-measurement for the purpose of home loan pricing 4. mixed feeling as to the value of the proposed model - value, to a large extent, would depend on flexibility. A practical, flexible model has been developed which allows: 1. risk classification of loans in terms of geographical areas, product/client characteristics, and loan performance 2. risk measurement in terms of potential losses relating to each loan category 3. determination of appropriate pricing levels for each risk category. / Department of Economics / M. Com. (Accounting )

published_or_final_version / Business / Doctoral / Doctor of Philosophy