The Impact of Provisioning Policies on Non-Performing Loans
نویسندگان
چکیده مقاله:
The Central Bank has specific regulations, including asset classification guidelines and how to perform loan’s loss provisioning to oversee banks and credit institutions. The Central Bank seeks to improve the quality of the loan and reduce the amount of non-performing loans by reducing the revenues of the bank or credit institution through imposing fine on balance of each of the categories of non-performing loans. In this study, the effectiveness of this policy has been investigated using the system dynamics method. The results of the research indicate that the application of the above policy would at least lead to a 17% reduction in the amount of non-performing loans’ accumulation. Research suggests that, if the coverage factor of a pledge during the provision of loan, increases the effectiveness of the policy in the fight against the accumulation of non-performing loans will be eliminated. This phenomenon suggests that the Central Bank needs to focus more on preventive regulatory approaches than on a priori methods in monitoring the credit institutions in providing a loan.
منابع مشابه
the impact of morphological awareness on the vocabulary development of the iranian efl students
this study investigated the impact of explicit instruction of morphemic analysis and synthesis on the vocabulary development of the students. the participants were 90 junior high school students divided into two experimental groups and one control group. morphological awareness techniques (analysis/synthesis) and conventional techniques were used to teach vocabulary in the experimental groups a...
15 صفحه اولDealing with non-performing loans of banks.PDF
A lot of confusion and misunderstanding has been created by several commentators on the issue of non-performing loans (NPLs) of banking system. They take the absolute amount of such loans at the current point of time and compare it with the quantum of such loans in October 1999 and make a hue and cry that the situation has deteriorated because the quantum of NPLs has gone up. Such a simplistic ...
متن کاملAnalysis of non-performing loans of banks with the regional economic approach: unbalanced panel data method
The high volume of non-performing loans and its trend over time is one of the main problems of banks and central banking in Iran. This high volume of non-current receivables and the destructive effects that this phenomenon has, has made it very important to identify and examine the role of the factors affecting it. In the present study, determinant factors from the Borrower, lender and regional...
متن کاملthe impact of peer review on efl reviewers writing proficiency
امروزه تصحیح همکلاسی در کلاسهای نگارش یکی از اجزاء لاینفک کلاسهای دانش آموز محور است. تاثیرات مفید تصحیح همکلاسی بر زبان آموزان، معلمان را متقاعد کرده است که علیرغم صرف زمان، انرژی و توان بسیار، از این شیوه ی آموزشی در کلاسهای آموزش نگارش بهره بگیرند. تحقیق حاضر بر آن است تا با مقایسه دو گروه از یادگیرندگان زبان انگلیسی، تاثیر تصحیح همکلاسی را بر توانایی نوشتاری آنها نشان دهد. 122 خانم زبان آمو...
15 صفحه اولthe impact of skopos on syntactic features of the target text
the present study is an experimental case study which investigates the impacts, if any, of skopos on syntactic features of the target text. two test groups each consisting of 10 ma students translated a set of sentences selected from advertising texts in the operative and informative mode. the resulting target texts were then statistically analyzed in terms of the number of words, phrases, si...
15 صفحه اولمنابع من
با ذخیره ی این منبع در منابع من، دسترسی به آن را برای استفاده های بعدی آسان تر کنید
ذخیره در منابع من قبلا به منابع من ذحیره شده{@ msg_add @}
عنوان ژورنال
دوره 13 شماره 3
صفحات 343- 374
تاریخ انتشار 2018-07
با دنبال کردن یک ژورنال هنگامی که شماره جدید این ژورنال منتشر می شود به شما از طریق ایمیل اطلاع داده می شود.
کلمات کلیدی برای این مقاله ارائه نشده است
میزبانی شده توسط پلتفرم ابری doprax.com
copyright © 2015-2023