Research background: The paper is focused on the financial product, esp. mortgage loans that are often used products in field of long-term financing Czech Republic. These provide commercial banks and other institutions globalized market. Purpose article: aim to analyze situation market from building societies view global Covid-19 pandemic. Methods: Firstly a theoretical background with review l...

The paper deals with the impact of Euribor and risk premium on interest rates foreign currency loans FX-indexed that are approved to corporate sector household in Serbia. Total new granted corporates, total households, investment corporates housing households observed. observed period is from September 2010 August 2020. main goal determine whether there a long-run relation between given rates, ...

I compare welfare generated by a credit contract with individual liability and a contract with joint liability. The problem is credit rationing caused by limited liability and unobservable investment decisions. Joint liability induces borrowers to monitor each other, however the lender can also monitor. I show that wealthier borrowers may prefer riskier investments when liability is joint, whic...

This paper presents a framework for estimating losses for residential mortgage loans. At the core is a transitions-based probability of default model which yields directly observable cash-flows at the loan level. The estimated model includes coefficients on unemployment, Loan to Value ratio and interest rates, all of which allow a macroeconomic scenario to be fed through the model and impact lo...

There are all sorts of things very poor people living in poor countries don’t have. They lack secondary-school educations, usually, and good medical care. They lack steady work and life insurance, bank accounts and competent legal representation, adequate fertilizer for their crops, adequate protein in their diets, reliable electricity, clean water, indoor plumbing, low-interest loans, incubato...

This paper examines the political influence on government bank lending decisions using the prefecture level panel data on Japan’s government loans from 1975 to 1992. I find that prefectures that were represented by more influential members of the ruling party, the Liberal Democratic Party (LDP), tended to receive more government loans. I also find that the amount of government loans tended to i...

Objetive: To design a virtual antidote network between hospitals that could help to locate on-line those hospitals that stocked those antidotes with the highest difficulty in terms of availability, and ensured that the medication was loaned in case of necessity. METHODS The application was developed by four hospital pharmacists and two clinical toxicologists with the support of a Healthcare I...

The estimation of the profit and loss distribution of a loan portfolio requires the modelling of the portfolio’s multivariate distribution. This describes the joint likelihood of changes in the credit-risk quality of the loans that make up the portfolio. A significant problem for portfolio credit risk measurement is the greatly restricted data that are available for its modelling. Under these c...

There are all sorts of things very poor people living in poor countries don’t have. They lack secondary-school educations, usually, and good medical care. They lack steady work and life insurance, bank accounts and competent legal representation, adequate fertilizer for their crops, adequate protein in their diets, reliable electricity, clean water, indoor plumbing, low-interest loans, incubato...