Author: Chen HuaPublisher:
ISBN:
Category :
Languages : en
Pages :
Book Description
Three Essays on Banking and Loan Financing
Author: Chen HuaThree Essays on the Theory of Banking
Author: Sarah Blaine KendallPublisher:
ISBN:
Category :
Languages : en
Pages : 374
Book Description
Three Essays in Lending
Author: Three Essays on Financial Innovation
Author: Peter TufanoPublisher:
ISBN:
Category : Finance
Languages : en
Pages : 160
Book Description
Three Essays on Banking, Deposit Insurance, and Financial Crises
Author: Sungkyu KwakAnalysis of the Terms of Bank Lending and Risk Management
Author: Raymond L. Posey (Jr.)Publisher:
ISBN:
Category : Bank loans
Languages : en
Pages : 168
Book Description
This is a three-part dissertation, which provides a multi-faceted examination of loans and lending to small businesses in the US, which are a key source of economic and job growth. From a broad perspective, this work shows the interplay among various terms of lending, marked differences in lender behavior based on size and type, and a significant role of multiple loans/lenders in explaining loan delinquencies. Essay 1 examines the role of loan guarantees in lines of credit grated to small businesses. The presence of a loan guarantee is associated with lower interest rates and smaller lines of credit. There is some evidence that loan guarantees and collateral are substitutes. Firms with longer banking relationships and fewer banking relationships are less likely to have loan guarantees applied. Since there is some evidence of simultaneity in the data, appropriate econometric procedures are used to obtain consistent parameter estimates. Essay 2 examines differences in terms of lending among two sizes of banks and farm lenders for small loans. Large farm lenders do use more collateral than large bank lenders, but small banks use more collateral than small farm lenders. There is evidence that small banks use more collateral than large banks. All farm lenders appear to use similar levels of collateral, whereas small banks use more collateral than large banks. The determinants of collateral differ based on lender characteristics. For all sizes of farm lenders, the shorter the term of the loan, the more likely the use of non-real estate collateral, and vice versa. Essay 3 examines the determinants of farm loan delinquencies, and in particular, the influence of multiple loans and multiple lenders on delinquency. The number of lenders used by a borrower, the number of loans, and the product of the two are all positively related to loan delinquency. These factors are at least as significant as standard financial ratios in explaining loan delinquency. The most consistent finding regarding farm borrower delinquency is that borrowers who have been denied credit in the past five years are more likely to have a delinquent loan. It is also found that borrowers using more lenders appear to be able to bargain for lower interest rates.
Three Essays Son Banking and Corporate Finance
Author: Fang ZhaoPublisher:
ISBN:
Category : Banks and banking
Languages : en
Pages : 0
Book Description
Organization, Coordination, and Regulation
Author: Rowena Ann PeccheninoPublisher:
ISBN:
Category :
Languages : en
Pages : 294
Book Description
Three Essays on Finance
Author: Srinivas NippaniPublisher:
ISBN:
Category : Bank loans
Languages : en
Pages : 170
Book Description
Essays on Relationship-oriented Bank Lending Arrangements
Author: Ozgur Emre ErgungorPublisher:
ISBN:
Category : Bank loans
Languages : en
Pages : 236
Book Description