PSN: Financial Institutions (Topic)最新文献_第10页

Bank Capital Buffers in a Dynamic Model 动态模型中的银行资本缓冲

PSN: Financial Institutions (Topic) Pub Date : 2018-08-22 DOI: 10.2139/ssrn.2532875

Jochen Mankart, Alexander Michaelides, Spyros Pagratis

引用次数: 2

Influence of Credit Risk Monitoring on Lending Performance of Commercial Banks in Nairobi County, Kenya 信用风险监测对肯尼亚内罗毕商业银行贷款绩效的影响

PSN: Financial Institutions (Topic) Pub Date : 2018-08-20 DOI: 10.2139/ssrn.3235582

John Karanja, J. Bichanga, G. Kingoriah

{"title":"Influence of Credit Risk Monitoring on Lending Performance of Commercial Banks in Nairobi County, Kenya","authors":"John Karanja, J. Bichanga, G. Kingoriah","doi":"10.2139/ssrn.3235582","DOIUrl":"https://doi.org/10.2139/ssrn.3235582","url":null,"abstract":"The credit risk poses a significant exposure not only to the banks but also to the entire economy, which is evident in east Africa financial crises. This is because of the fact that the banking is a vital industry of any economy. There has been a dramatic loss in the banking industry and suddenly announced large losses due to credit exposures that turned sour. This emphasizes the importance of managing the credit risk within the banking sector. Lending is a very profitable activity of the bank since customer pays interest on the amount borrowed. But this profitable activity also has problems which arise as a result of delayance or default in loan repayments which can be so extended and interconnected. The general objective of this study was to evaluate the influence of credit risk monitoring on lending performance of commercial banks in Nairobi County, Kenya. This study used descriptive survey research design and the target population for this study was at two levels. The target population was employees of the 42 commercial banks in operation in Kenya as at 1st January, 2018. Primary data was collected using questionnaires that have both structured and unstructured questions. The researcher analyzed the data using descriptive statistics and logistic regression analysis (binary) was used. The results of the study revealed that the combined effect of credit risks monitoring activities influenced bank lending performance positively. The study concludes that credit risk monitoring activities significantly influence the lending performance of commercial banks and this has affected the performance of the entire sector. The study recommended that KBA and CBK should make it a requirement that borrowers should be submitting reports regularly to the bank on changes in the value of collateral which was used to acquire loan.","PeriodicalId":405783,"journal":{"name":"PSN: Financial Institutions (Topic)","volume":"37 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2018-08-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132265127","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 0

Peer-to-Peer Lending Platforms and the Stability of the Banking System p2p借贷平台与银行体系的稳定性

PSN: Financial Institutions (Topic) Pub Date : 2018-07-29 DOI: 10.2139/ssrn.3221966

Jooyong Jun, E. Yeo

{"title":"Peer-to-Peer Lending Platforms and the Stability of the Banking System","authors":"Jooyong Jun, E. Yeo","doi":"10.2139/ssrn.3221966","DOIUrl":"https://doi.org/10.2139/ssrn.3221966","url":null,"abstract":"This study examines how the advent and the expansion of peer-to-peer(P2P) lending platforms affect financial stability, especially the soundness and the stability of banks and the banking system. We analyze the risks of various bank failures by comparing two cases of competition, a benchmark case in which only banks exist and no P2P lending platforms exist and the case in which the credit market is segmented and a P2P lending platform operates only in the low-credit score consumers’ markets. Our findings are as follows: (i) the insolvency risk of individual banks increases when they compete with the P2P lending platform in the low-credit score consumers’ markets, but (ii) the illiquidity risk of individual banks is reduced; and (iii) the systemic risk in the banking system triggered by individual defaults is also reduced. Our results imply that if the role of the P2P platforms and banks are properly differentiated so that P2P lending platforms focus on the provision of credits in the low-credit score consumers’ markets, and the banks concentrate more on high-credit score consumers’ markets and protected deposits business, the impact of spread of P2P lending platforms on the current banking system’s stability may be limited.","PeriodicalId":405783,"journal":{"name":"PSN: Financial Institutions (Topic)","volume":"70 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2018-07-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"126241117","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 2

Dilutive Securities and Earnings Per Share 摊薄证券和每股收益

PSN: Financial Institutions (Topic) Pub Date : 2018-07-08 DOI: 10.2139/ssrn.3210219

Angel Pramitta Yulianda, S. Thió, Marselinus Asri

引用次数: 0

Testing the Systemic Risk Differences in Banks 银行系统性风险差异的测试

PSN: Financial Institutions (Topic) Pub Date : 2018-06-01 DOI: 10.2139/ssrn.3189313

Esa Jokivuolle, R. Tunaru, Davide Vioto

引用次数: 4

Cost Efficiency of Banking Sector of Bangladesh: Evidence Using the Stochastic Frontier Analysis 孟加拉国银行业的成本效率:使用随机前沿分析的证据

PSN: Financial Institutions (Topic) Pub Date : 2018-05-22 DOI: 10.2139/ssrn.3183196

Hashibul Hassan, Mahmudul Hassan

引用次数: 12

Fear, Deposit Insurance Schemes, and Deposit Reallocation in the German Banking System 德国银行体系中的恐惧、存款保险计划和存款再分配

PSN: Financial Institutions (Topic) Pub Date : 2018-05-17 DOI: 10.2139/ssrn.3180107

Falko Fecht, Stefan Thum, P. Weber

引用次数: 20

Integration of TTF, UTAUT, and ITM for Mobile Banking Adoption TTF、UTAUT和ITM的集成，用于移动银行的采用

PSN: Financial Institutions (Topic) Pub Date : 2018-05-01 DOI: 10.22161/IJAEMS.4.5.6

Sayyed khawar Abbas, H. Hassan, Jawad Asif, Bilal Ahmed, F. Hassan, Syed Salman Haider

引用次数: 40

Does Political Participation Change a Financial Centre’s Competitiveness? 政治参与是否会改变金融中心的竞争力?

PSN: Financial Institutions (Topic) Pub Date : 2018-04-04 DOI: 10.2139/ssrn.3723187

Bryane Michael, B. Candelon

{"title":"Does Political Participation Change a Financial Centre’s Competitiveness?","authors":"Bryane Michael, B. Candelon","doi":"10.2139/ssrn.3723187","DOIUrl":"https://doi.org/10.2139/ssrn.3723187","url":null,"abstract":"What role does polyarchy (and thus increased democracy) play in aiding the development of an international financial centre? We find support for decades of theorising that some jurisdictions use autocracy (less polyarchy) to help grow out their financial centres. We look at the growth of these financial centres as the extent to which they attract more funds from abroad (cross-border bank liabilities). Polyarchy decreases as other international financial centres’ centrality in the global financial centre network expands. Polyarchy increases in most jurisdictions over time because some financial centres rely on increasingly polyartic governance as a way to foster financial innovation through increased participation by non-previously powerful sectors. Namely, the growth of an international financial centre’s centrality in global financial networks relies on tapping down on polyarchy. Yet, such polyarchy – when used by some very central jurisdictions to remain central – “spreads.” We model such a relationship between polyarchy and centrality in the global financial network, describing even the most complex quantitative analysis in a way a non-specialist can understand. These results could impact decisions ranging from Brexit to Hong Kong’s autonomy in its post-2047 period.","PeriodicalId":405783,"journal":{"name":"PSN: Financial Institutions (Topic)","volume":"2 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2018-04-04","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"122296277","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 0

Competition in Dual Markets: Implications for Banking System Stability 双重市场中的竞争:对银行体系稳定性的影响

PSN: Financial Institutions (Topic) Pub Date : 2018-03-28 DOI: 10.2139/ssrn.3158510

T. Risfandy, Amine Tarazi, Irwan Trinugroho

引用次数: 25