Commerical Credit or Discount Companies

Unpacking experimental discount rates: Impatience, uncertainty, and credit constraints

Credit Risk Modeling for Companies Default Prediction Using Neural Networks

The paper assesses the business default risk on a cross-national sample of 3000 companies applying for credit to an international bank operating in Romania. The structure of the sample replicates the structure of the general population of companies in Romania. Based on their past credit history, we have distributed the companies in seven classes plus the default, using and adapting the Standard...

Estimating the Credit Risk of Malaysian Companies using Merton Model

The paper gives an overview of current conceptual framework for the credit risk assessment dedicated to banks. The framework utilises the Merton model to estimate the default probabilities of companies that are supposed to be the main borrowers causing a formation of a greater credit risk in banks. By doing this, banks are able to reaffirm the ability of their borrowers in meeting loan commitme...

Discount medical cards: innovation or illusion?

Discount medical cards have come under increasing scrutiny by regulators and law enforcement officials as a result of mounting consumer-reported problems. For their study, the authors tested five cards available in the Washington, D.C., metro area; interviewed card company representatives, state attorneys general insurance regulators, and insurance agents; and reviewed court and administrative ...

Fundamental Reappraisal of the Discount Mechanism Capital and Credit Requirements of Agriculture, and Proposals to Increase Availability of Bank Credit

The analyses and conclusions set forth are those of the author and do not necessarily indicate concurrence by other members of the research staffs, by the Board of Governors, or by the Federal Reserve Banks.