The big banks and their small banks: Market division for low-income credit holders and interest comparison within the conglomerates

نویسندگان

چکیده

“Finance companies” (technically, credit, financing, and investment companies - SCFIs) coexist with large banks within economic conglomerates. Using historical series of interest rates, we tested the hypothesis that SCFIs belonging to banking groups other subsidiary institutions (non-major banks) would focus on more vulnerable customers, who accept contract credit at higher rates than those practiced by same group, in modalities. We conclude our data capture evidence practice subsidiaries (SCFIs or comparing respective main banks, which may reflect specialization certain niche markets; however, also find situations major charge their subsidiaries. Furthermore, present resolutions National Monetary Council (CMN) regulate highlight SCFIs' relationships correspondents, franchises. Finally, examine equity profile according following categories: (i) financial linked one five banks; (ii) financials conglomerates, except (iii) non-banking groups; (iv) independent companies.

برای دانلود باید عضویت طلایی داشته باشید

برای دانلود متن کامل این مقاله و بیش از 32 میلیون مقاله دیگر ابتدا ثبت نام کنید

اگر عضو سایت هستید لطفا وارد حساب کاربری خود شوید

منابع مشابه

the evaluation and comparison of two esp textbooks available on the iranian market for teaching english to the students of medicine

abstract this study evaluated and compared medical terminology and english for the students of medicine (ii) as two representatives of the textbooks available on the iranian market for teaching english to the students of medicine. this research was performed on the basis of a teacher’s and a number of students’ attitudes and the students’ needs analysis for two reasons: first, to investigate...

15 صفحه اول

Banks, Credit Market Frictions, and Business Cycles

Abstract The current financial crisis highlights the need to develop DSGE models with real-financial linkages and an active banking sector. This paper proposes a fully micro-founded framework that incorporates optimizing banks, the interbank market, and the credit market into a DSGE model, and evaluates the role of banks and financial shocks in the U.S. business cycles. We assume two types of h...

متن کامل

the relationship between learners critical thinking ability and their performance in the reading sections of the tofel and ielts test

the study reflected in this thesis aims at finding out relationships between critical thinking (ct), and the reading sections of tofel and ielts tests. the study tries to find any relationships between the ct ability of students and their performance on reading tests of tofel and academic ielts. however, no research has ever been conducted to investigate the relationship between ct and the read...

15 صفحه اول

The Comparison of Applying a Designed Model to Measure Credit Risk Between Melli and Mellat Banks

The main purpose of this paper is providing a model to calculate the credit risk of Melli bank clients and implement it at Mellat Bank. Therefore, the present study uses a multi-layered neural network method. The statistical population of this research is all real and legal clients of Melli and Mellat banks. Sampling method used in this research is a simple random sampling method. Friedman test...

متن کامل

ذخیره در منابع من


  با ذخیره ی این منبع در منابع من، دسترسی به آن را برای استفاده های بعدی آسان تر کنید

ژورنال

عنوان ژورنال: Economic Analysis of Law Review

سال: 2022

ISSN: ['2178-0587']

DOI: https://doi.org/10.31501/ealr.v13i2.12481