Temat: Credit - Katalog OPAC zbiorów

Skocz do pozycji: 1.

Tytuł:: Requirements for intermediaries and advisors in the area of mortgages resulting from Mortgage Credit Directive – implications for Poland
Autorzy:: Waliszewski, Krzysztof
Powiązania:: https://bibliotekanauki.pl/articles/599480.pdf
Data publikacji:: 2015
Wydawca:: Wyższa Szkoła Informatyki i Zarządzania z siedzibą w Rzeszowie
Tematy:: credit intermediaries
credit advisors
mortgage credit market
Mortgage Credit Directive (MCD)
Opis:: The dynamic development of the mortgage market, especially in the period before the current financial crisis, revealed that within the EU there are local mortgage credit markets and that it is necessary to harmonize the rules of the system and consumer protection within the Community. The intention of the creators of the Mortgage Credit Directive was to organize the mortgage lending market for residential purposes and make it transparent, as well as increase the safety of the consumer credit market, along the lines of what took place earlier in the consumer credit market regulations (The Consumer Credit Directives no. 2008/48/EC and earlier no. 87/102/EEC). The Mortgage Credit Directive implies for lenders - credit institutions to act at every stage of the lending process with respect to the consumer’s interest and to provide them with adequate services for their needs. Due to the large role of indirect distribution channels of mortgages by banks there are certain requirements for intermediaries, brokers and credit advisors. The implementation term of the Directive, appointed for March 2016, implies action to be taken in order to implement the provisions of this Directive into Polish law. The legislative process is being conducted by the Ministry of Finance and supported by the Group on implementation of the Mortgage Credit Directive operating with the Council of Financial Market Development.
Źródło:: Finansowy Kwartalnik Internetowy e-Finanse; 2015, 11, 2; 18-31
1734-039X
Pojawia się w:: Finansowy Kwartalnik Internetowy e-Finanse
Dostawca treści:: Biblioteka Nauki

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Skocz do pozycji: 2.

Tytuł:: Analiza, szacowanie poziomu i zarządzanie ryzykiem kredytowym
Analysis, Level Estimation and Management of Credit Risk
Autorzy:: Borawska, Anna
Powiązania:: https://bibliotekanauki.pl/articles/1849809.pdf
Data publikacji:: 2020-05-12
Wydawca:: Katolicki Uniwersytet Lubelski Jana Pawła II. Towarzystwo Naukowe KUL
Tematy:: kredyt
zdolność kredytowa
ryzyko kredytowe
credit-scoring
strategia kredytowa
monitoring kredytowy
credit
credit capacity
credit risk
credit strategy
credit monitoring
Opis:: Credit risk is an indispensable factor for banks. It means that there is a danger for the borrower not to fulfil his or her liabilities and the conditions of the credit contract, facts that would expose a bank to financial losses. Therefore the constant tendency is to minimise the level of the credit risk. The most important mechanism to reduce the individual risk is to examine the credit capacity of a potential borrower. Now as regards the wallet risk, one most often diversifies the overall credit engagement of the bank. Giving a loan is dependent on the credit capacity of the borrowers, which is understood as the capacity to pay back the loan together with interest in due term. Credit-scoring is a continuous process, thus it is extremely important to monitor borrowers as one of the tools to ensure a proper structure and quality of the credit wallet of the bank. The measurement of credit risk is indispensable during the whole process of crediting, hence also while the credit contract is valid. The grounds of the management of credit risk is the credit policy of the bank. This policy together with the instruments of risk management allow us to effectively manage the risk, a fact that contributes to the bank’s success.
Źródło:: Roczniki Nauk Społecznych; 2006, 34, 3; 169-186
0137-4176
Pojawia się w:: Roczniki Nauk Społecznych
Dostawca treści:: Biblioteka Nauki

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Skocz do pozycji: 3.

Tytuł:: A comparative study of corporate credit ratings prediction with machine learning
Autorzy:: Doğan, Seyyide
Büyükkör, Yasin
Atan, Murat
Powiązania:: https://bibliotekanauki.pl/articles/2175830.pdf
Data publikacji:: 2022
Wydawca:: Politechnika Wrocławska. Oficyna Wydawnicza Politechniki Wrocławskiej
Tematy:: credit rating
credit risk
machine learning
Opis:: Credit scores are critical for financial sector investors and government officials, so it is important to develop reliable, transparent and appropriate tools for obtaining ratings. This study aims to predict company credit scores with machine learning and modern statistical methods, both in sectoral and aggregated data. Analyses are made on 1881 companies operating in three different sectors that applied for loans from Turkey’s largest public bank. The results of the experiment are compared in terms of classification accuracy, sensitivity, specificity, precision and Mathews correlation coefficient. When the credit ratings are estimated on a sectoral basis, it is observed that the classification rate considerably changes. Considering the analysis results, it is seen that logistic regression analysis, support vector machines, random forest and XGBoost have better performance than decision tree and k-nearest neighbour for all data sets.
Źródło:: Operations Research and Decisions; 2022, 32, 1; 25--47
2081-8858
2391-6060
Pojawia się w:: Operations Research and Decisions
Dostawca treści:: Biblioteka Nauki

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Skocz do pozycji: 4.

Tytuł:: Wpływ ratingów kredytowych państw europejskich na koszt kapitału
Autorzy:: Chodnicka, Patrycja
Powiązania:: https://bibliotekanauki.pl/articles/630042.pdf
Data publikacji:: 2015
Wydawca:: Szkoła Główna Handlowa w Warszawie
Tematy:: credit ratings, interest rate, credit risk
Opis:: The purpose of this paper is to analyze the impact of the countries’ credit ratingson the cost of capital through review of the subject literature and panel datamodels for the 35 European countries for the period 2005–2013.
Źródło:: Kwartalnik Kolegium Ekonomiczno-Społecznego Studia i Prace; 2015, 3, 4; 91-102
2082-0976
Pojawia się w:: Kwartalnik Kolegium Ekonomiczno-Społecznego Studia i Prace
Dostawca treści:: Biblioteka Nauki

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Skocz do pozycji: 5.

Tytuł:: Oczekiwanie zmiany nastawienia credit ratings banków a kursy akcji przy uwzględnieniu poziomu rozwoju gospodarczego kraju
Autorzy:: Chodnicka-Jaworska, Patrycja
Powiązania:: https://bibliotekanauki.pl/articles/630261.pdf
Data publikacji:: 2017
Wydawca:: Szkoła Główna Handlowa w Warszawie
Tematy:: Credit risk, Credit rating, Shares prices, Banks
Opis:: The aim of the paper is verification of the following hypothesis the share prices of banks have stronger reaction to bank credit rating announcements changes for a downgrade, both in developed and developing economies. The analysis(event study method) has been based on data from Thomson Reuters for the years 1980-2015 for 24 countries. Outlooks and watch lists proposed by all credit rating agencies have been used as an independent variable. Daily differences between the logarithmized rates of return of banks' shares have been used as dependent variable.
Źródło:: Kwartalnik Kolegium Ekonomiczno-Społecznego Studia i Prace; 2017, 1; 105-120
2082-0976
Pojawia się w:: Kwartalnik Kolegium Ekonomiczno-Społecznego Studia i Prace
Dostawca treści:: Biblioteka Nauki

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Skocz do pozycji: 6.

Tytuł:: Modern Cooperation Between Ukraine and the IMF: Dynamics, Trends and Problems
Autorzy:: Myskiv, Galina
Нalkiv, Lyubov
Powiązania:: https://bibliotekanauki.pl/articles/633701.pdf
Data publikacji:: 2016
Wydawca:: Uniwersytet Marii Curie-Skłodowskiej. Wydawnictwo Uniwersytetu Marii Curie-Skłodowskiej
Tematy:: credit, credit program, IMF, foreign creditors, economy
Opis:: Purpose –The paper considers and analyzes IMF’s credit activity in Ukraine in the years 1994–2016.Methodology – To achieve this, the analysis of data presented in the period 1994–2016 at IMF official website, the Ministry of Finance of Ukraine and the National Bank was undertaken. Some key documents of IMF were also taken into consideration. Findings – The authors examined the indicators of lending activity between the IMF and Ukraine and identified the positive and negative impact of it on the national economy. In addition, the authors emphasize the problems that accompany loans for Ukraine and propose the ways to increase efficiencyOriginality/Value – The paper presents role of IMF in effective development of the country, potential opportunities and threats, and emerging trends.Paper classification – Research paper.
Źródło:: International Journal of Synergy and Research; 2016, 5
2083-0025
Pojawia się w:: International Journal of Synergy and Research
Dostawca treści:: Biblioteka Nauki

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Skocz do pozycji: 7.

Tytuł:: CAMEL – ocena ryzyka w estymacji ratingów banków europejskich
CAMEL – estimation method European banks’ credit ratings
Autorzy:: Chodnicka-Jaworska, Patrycja
Powiązania:: https://bibliotekanauki.pl/articles/585611.pdf
Data publikacji:: 2017
Wydawca:: Uniwersytet Ekonomiczny w Katowicach
Tematy:: CAMEL
Credit rating
Ryzyko kredytowe
Credit risk
Opis:: Celem artykułu jest analiza istotności wpływu determinant CAMEL w procesie nadawania noty ratingowej bankom. W związku z tym dokonano przeglądu literatury i na tej podstawie postawiono następującą hipotezę badawczą: czynniki CAMEL wpływają w sposób istotny statystycznie na credit rating banków europejskich. Do badania wykorzystano długoterminowe noty ratingowe nadawane bankom europejskim na koniec kwartału przez trzy największe agencje ratingowe. Jako zmienne niezależne zastosowano wskaźniki finansowe oraz zmienne makroekonomiczne zgromadzone z baz Thomson Reuters oraz Banku Światowego. W badaniu zastosowano modele panelowe.
The goal of the article is to analyse the statistically significance of the impact of CAMEL factors on the banks’ credit ratings method. As a result it has been made a literature review and put hypothesis seems as follows: CAMEL factors influence statistically significantly on European banks’ credit ratings. In the research, there have been used the long term issuer credit ratings given European banks at the end of the quarterly by the biggest three credit rating agencies. As independent variables, there have been taken financial indicators and macroeconomic variables collected from the Thomson Reuters and World Bank databases. In the research, there have been proposed panel data models.
Źródło:: Studia Ekonomiczne; 2017, 339; 7-16
2083-8611
Pojawia się w:: Studia Ekonomiczne
Dostawca treści:: Biblioteka Nauki

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Skocz do pozycji: 8.

Tytuł:: Financial Deepening in Mexico
Autorzy:: Herman, Alexander
Klemm, Alexander
Powiązania:: https://bibliotekanauki.pl/articles/2040976.pdf
Data publikacji:: 2019-01-30
Wydawca:: Uniwersytet Warszawski. Wydawnictwo Naukowe Wydziału Zarządzania
Tematy:: Mexico
credit gap
credit growth
financial development
Opis:: International comparisons reveal that – even controlling for a host of explanatory factors – credit depth is exceptionally low in Mexico. Using panel data methods linking credit growth and fundamentals, this paper estimates a long-term gap between actual and expected credit of about 40 percent of GDP. Possible explanations include the history of banking crises, the large informal sector and an inefficient legal system. Using a disequilibrium regression approach, this paper also finds that supply factors are particularly important as determinants of credit in Mexico. Recent financial reforms address many of the supply constraints, but their success will depend on implementation. The main challenge going forward will be to support financial deepening, while limiting risks to financial stability.
Źródło:: Journal of Banking and Financial Economics; 2019, 1(11); 5-18
2353-6845
Pojawia się w:: Journal of Banking and Financial Economics
Dostawca treści:: Biblioteka Nauki

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Skocz do pozycji: 9.

Tytuł:: Credit rating a ryzyko kredytowe emitenta
Autorzy:: Chodnicka-Jaworska, Patrycja
Jaworski, Piotr
Powiązania:: https://bibliotekanauki.pl/articles/630098.pdf
Data publikacji:: 2018
Wydawca:: Szkoła Główna Handlowa w Warszawie
Tematy:: rating
credit risk
credit capacity
bond yield
Opis:: The purpose of this paper is to analyse the impact of country's credit rating on issuers' credit risk measured by the difference between bond yields and IRS spreads. Based on literature review, the following hypothesis has been proposed: the decrease and increase of credit ratings have a statistically significant impact on the issuers' credit risk. The study was conducted using event study methodology, Thomson Reuters Database data for the period 1990-2016 and S&P, Fitch and Moody foreign long-term issuer credit ratings. Ten-year treasury bonds and IRS spreads were used to verify the hypothesis.
Źródło:: Kwartalnik Kolegium Ekonomiczno-Społecznego Studia i Prace; 2018, 2; 171-182
2082-0976
Pojawia się w:: Kwartalnik Kolegium Ekonomiczno-Społecznego Studia i Prace
Dostawca treści:: Biblioteka Nauki

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Skocz do pozycji: 10.

Tytuł:: Ulgi podatkowe na polskim rynku nieruchomości. Ocena funkcjonowania
Tax preferences on the Polish property market: Evaluation of their functioning
Autorzy:: Łożykowski, Aleksander
Sarnowski, Jan
Zając, Konrad
Powiązania:: https://bibliotekanauki.pl/articles/26917825.pdf
Data publikacji:: 2023
Wydawca:: Kancelaria Sejmu. Biuro Analiz Sejmowych
Tematy:: tax credit
property market in Poland
housing tax credit
registration tax credit
monument tax credit
thermo-modernisation tax credit
tax relief for expansion
Opis:: The paper discusses the issue of selected tax law institutions that constitute a form of tax credits and other tax incentives relating directly to the immovable property market in a broad sense, which have been implemented into the Polish legal system in recent years. The article includes an analysis of the legal aspects of the functioning of the relevant regulations, the statutory objectives of their introduction, as well as possible disputed issues revealed in the course of their application raised in judicial practice. The authors attempt to answer the research question whether the tax reliefs used in Poland adequately fulfil the tasks set for them by the legislator and how they influence the real estate market in Poland.
Źródło:: Studia BAS; 2023, 4(76); 191-216
2080-2404
2082-0658
Pojawia się w:: Studia BAS
Dostawca treści:: Biblioteka Nauki

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