In this paper we design the neural network consumer credit scoring models for financial institutions where data usually used in previous research are not available. We use extensive primarily accounting data set on transactions and account balances of clients available in each financial institution. As many of these numerous variables are correlated and have very questionable information conten...

Using plausibly exogenous variation in demand for federal funds created by daily shocks to reserve balances, we identify the supply curve facing a bank borrower in the interbank market and study how access to overnight credit is affected by changes in public and private measures of borrower creditworthiness. Although there is evidence that lenders respond to adverse changes in public informatio...

The Kenyan microfinance industry faces many challenges. Studies point to nonperforming loans as one of the main problems facing institutions in Kenya, which has led reduced profitability and institutional collapse some cases. Noncompliance with credit monitoring loan policy provisions have been cited factors leading increased non-performing loans. objective was determine effect Credit Monitorin...

Based on the survey data of 364 peasant households in Yibin, Sichuan, this paper analyzes the farmer’s willingness to small forest tenure mortgage loans. The result indicates a high willingness up to 74.2%, i.e. the farmers are willing to invest forest tenure mortgage loans into forestry and agricultural production. The influential factors on farmer’s willingness to small forest tenure mortgage...

The relationship between financial development indicators and non-performing loans (NPLs) has garnered significant attention, especially in emerging countries. puzzle of whether sector increases or decreases Non-performing Loans (NPL)s not been resolved to the satisfaction curious mind. This research attempts answer above question by studying asymmetric symmetric association NPLs, utilizing nov...

Declining real estate values have shaken financial markets, undermined consumer confidence, and slowed economic growth around the world. From homeowners in California to billionaire real estate developers operating in New York, London, and Tokyo, all have seen their net worth dwindle as real estate prices have fallen. Sizable holdings of nonperforming real estate imperil the financial health of...

After the 2008 global financial crisis, U.S. bank holding companies needing to cover larger-than-expected loan losses raised concerns that existing provision accounting may be procyclical. Most related studies have found evidence of procyclicality using either aggregate time-series data or “as-reported” panel data. We test null hypothesis provisions were a constant fraction nonperforming loans ...

The paper highlights the connection between European Union banking system and a set of representative factors—macroeconomic, social, governance factors—selected from perspective sustainability well-being. analysis is carried out as panel regression on EU member countries with annual data for 2005–2018, it explores impact selected factors robustness systems in countries. analyzed variables to re...

Abstract The rapid growth and development of financial technological advancement (Fintech) services innovations have attracted the attention scholars who are now on a quest to analyse their impact banking sector. This study conducts several kinds analyses measure effect fintech era stability Chinese It uses Big Data performs Pearson correlation regression analysis era’s transition period explan...