571 |
A Study of the Relationship among Recovery Rate, Probability of Default, and Credit RateLee, Chia-yin 20 June 2009 (has links)
none
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572 |
From the Financial Statement Disclosure and the Law to establish the Illegal Credit Indicators as the Bank of Affiliated Enterprises extend credit to the Same Related EntitiesWang, Po-tun 23 June 2009 (has links)
Banks in the economy plays a role in funding will be available to those who need funds for expansion of production equipment, or increase the spending power. In the relations between the enterprises, in pursuit of synergy of the whole group can often see the relationship between the companies will consider the bank's diversification into the program, to facilitate the group planning for funds.
However, in recent years, a series of financial scandals continue to occur, from Chung-Hsing commercial banks and the Tai Feng Group loans to the most recent scandals of the Chung-Hwa Commercial Bank and the Wan-Tai Commercial Bank show that many of the bank to carry out unlawful acts of the lenders, government agencies only after the incident, call the public have the confidence and clean up the whole mess, to avoid the loss of public confidence in the financial system.
In this regard, this study tried to analyze the financial statements of public information of banks, to investigate the bank's asset quality and financial ratios, see the possibility of bank credit to the law and conduct business with the group. Then, further from the point of view of corporate governance, banking organizations and the business management behavior, whether or not to provide space for corrupt operators to commit crime. The study found that when the banks non-performing loan ratio, the storage ratio, the ratio of unsecured loans and short-term (long-term) lending and savings (regular ) the proportion of deposits in the high four figures, such as financial statements, the interested person transactions breakdown of issues and interpretation of abnormal lenders, together with the case of bank corporate governance are not implemented, such as board structure, independent directors, professional managers, information and internal audit system are not good , the banks should have the drawbacks of the existence of credit business. Therefore, this study was to use these projects to establish a set of early warning indicators for the operation. When detection of any signs of impropriety raise, the competent authority can engage in immediate financial checks.
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Credit rating and the change of capital structureFang, Sung-han 05 July 2009 (has links)
This paper aims to realize that the capital structure decisions will be affected by the credit rating of a firm. According to the argument made by Kisgen(2006), a firm will incur discrete costs and benefits as a result of the level changes of its credit rating situation, and then causes jumps on firm¡¥s value. In order to maximize firm value, firms near a credit rating downgrade or upgrade will issue less debt relative to equity (as a portion of assets) than firms not near the change in credit raring, attempting to gain the advantage of an upgrade and avoid the disadvantage of a downgrade.
The firms near a rating change are defined in different ways, and four hypotheses are tested empirically, using pooled OLS, fixed effect model and random effect model, to know how the concerns of firms¡¥ credit rating changes directly affect its financing decisions on debt and equity structure. Plus or Minus test(POM test), High or Low test(HOL test), Investment Grade or Speculation Grade test(IG/SG test) and Watch list test(Wlist test) are used to examine the influences of credit rating on firms¡¥ financing decisions. The firm which has a credit rating at the beginning of the year in all industries in Taiwan is included in our sample, and the sample period is from 2000 to 2007.
As a result, although control variables such as leverage, profitability and firm size have significant impacts on financing decision, we observe that the impacts of credit ratings on net debt issuance are negative but not statistically significant in all models except in HOL test, in which credit rating variables are negative and significant at 5% confidence level. For this reason, the effect of credit ratings on firms¡¥ financing decision can not be concluded and should be examined further.
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574 |
Mining credit card data.Blunt, Gordon. January 2002 (has links)
Thesis (PhD)-Open University. BLDSC no.DX227573.
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575 |
Price discovery of credit riskDu, Yibing. January 2009 (has links)
Thesis (Ph.D.)--University of Texas at Arlington, 2009.
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576 |
Essays on China's privately-owned enterprisesBa, Qing. January 2009 (has links)
Thesis (Ph. D.)--University of Hong Kong, 2010. / Includes bibliographical references (leaves 112-114). Also available in print.
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577 |
Household liquidity and financial innovations : evidence from the Survey of consumer finances /Lyons, Angela Christine, January 2001 (has links)
Thesis (Ph. D.)--University of Texas at Austin, 2001. / Vita. Includes bibliographical references (leaves 160-169). Available also in a digital version from Dissertation Abstracts.
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578 |
Warning signs : avoiding consumer debt : can a system of visual signs be developed to persuade consumers to become wary of their debt? /Paulus, Dan J. January 1900 (has links) (PDF)
Thesis (M.F.A.), University of Central Oklahoma, 2009. / Includes bibliographical references (leaves 106-111).
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579 |
Demand estimation techniques and investment incentives for the digital economy infrastructure : an econometric and simulation-based investigation /Jukic, Boris. January 1998 (has links)
Thesis (Ph. D.)--University of Texas at Austin, 1998. / Includes bibliographical references (leaves 103-104). Available also in a digital version from Dissertation Abstracts.
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580 |
Sovereign rating changes and financial markets during the Asian crisisLee, Eog-Weon, January 2003 (has links)
Thesis (Ph. D.)--University of Missouri-Columbia, 2003. / Typescript. Vita. Includes bibliographical references (leaves 129-132). Also available on the Internet.
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