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余额宝解决淘宝店铺融资问题的探索
余额宝 电商企业融资 风险控制
2015/8/31
目前中国以银行贷款为主体的单一的小微企业融资模式已无法满足小微企业的融资需要，而兴起于网络之上的余额宝吸引了人们的目光，在许多方面，余额宝的独到之处将有望解决小微电商企业的融资问题。本文借鉴小额信贷技术，同时参考目前较为成熟的一些做法，讨论使用余额宝解决淘宝商铺融资问题的可行性及风险控制问题，帮助余额宝进行风险评估和控制。
“大联保”信贷模式下
新型信贷模式 农村担保贷款 大联保担保体系
2015/8/31
随着农村经济社会发展，传统的担保贷款模式已经不能满足当前广大农村地区对担保小信贷的需求。本文从当前农村担保信贷存在的主要问题入手，从创新信贷模式出发，重点介绍了“大联保”这种新型信贷模式，以完善农村担保贷款机制。
完善信贷资产证券化的外部环境（图）
完善 信贷资产证券化 外部环境
2013/6/24
资产证券化诞生于20世纪70年代的美国，并在随后的发展中迅速流行和成熟起来。在资产证券化的众多基础资产类别中，信贷资产特别是个人住房抵押贷款的证券化以其稳定的现金流基础赢得了市场和投资者的青睐，成为发展最为迅猛的一类资产证券。但与其他金融创新一样，资产证券化也存在风险，在经过多年的扩张之后，风险终于爆发，并以美国次贷危机的形式引发了此轮国际金融危机。我国在2005年正式开始信贷资产证券化试点，次贷...
Transmission of distress in a bank credit network
Transmission of distress bank credit network General Finance
2012/4/28
The European sovereign debt crisis has impaired many European banks. The distress on the European banks may transmit worldwide, and result in a large-scale knock-on default of financial institutions. ...
社会资本与我国农村信贷风险控制
社会资本 合规抵押物 农村信贷风险 小额信贷
2012/3/19
受三农特点及农村现行基本经济制度的影响，我国农村信贷面临更大的风险。更为严峻的问题是，我国农村缺乏合规的抵押物，因而，在城市信贷体系中，常规的、有效的信贷风险控制手段并不完全适合农村信贷。但是，农村社会资本同样具有经济价值，完全可以参与农村信贷风险控制，尤其是充当抵押物。这种设想已在国内外得到了广泛运用，尤以小额信贷模式最为成功。我国农村具有丰富的社会资本和无穷的开发潜力。因此，我国应以新农村建设...
Non-Core Bank Liabilities and Financial Vulnerability
Currency crises credit booms cross-border banking
2014/3/18
A lending boom is reflected in the composition of bank liabilities
when traditional retail deposits (core liabilities) cannot keep pace with
asset growth and banks turn to other funding source...
A tool applicable to the payment of credits for projects of agricultural crops with different income levels
welfare economy agricultural crops with different income levels jump discontinuity banking
2014/2/24
Traditionally, the banking sector has not accounted for the temporary loss in a customer’s income, at any stage of the credit life, caused by the changes or the loss of employment, income drops in bus...
国内小额贷款公司运作法律机制研究
小额信贷 小额贷款公司 法律机制
2013/5/23
小额信贷作为一种有效的金融扶贫方式引入到国内已逾15个年头，实践证明，其在解决“三农”贷款、缓解中小企业融资难方面起到无可替代的作用。近两年来，国家对小额信贷问题愈加重视，并通过允许民间资本兴办小额贷款公司的方式，进行着中国民间金融合法化路径的逐步探索。自实施小额贷款公司试点以来，国内对其规范的立法机制存有不足，如各地规章规定的准入批准机关混乱、注册资本金以及单个股东持股比例要求过高；尴尬的主体身...
我国商业银行绿色信贷履行机制研究
绿色信贷 赤道原则 法律制度 履行机制
2013/5/23
在当前环境问题受到政府和居民越来越多地关注的今天，企业开展绿色化经营变得非常迫切，而作为企业经营资金重要来源的商业银行，积极践行绿色信贷政策，从源头控制和推动企业进行绿色经营势在必行。这不仅是对社会责任义务的主动承担，也是对自身经营风险的有效掌控。然而，与国外比较，我国的绿色信贷制度刚刚起步，国内银行在履行绿色信贷方面显然存在不足。因此，本文从商业银行社会责任的理论基础入手，在对比国内、外商业银行...
Bank Credit Cycles
potential borrowers the bank’s credit lending standards priced risk factor an autonomous source macroeconomic fluctuations
2011/9/2
A bank determines whether potential borrowers are creditworthy, that is, whether they meet the bank’s credit or lending standards. In making this determination, each bank is in competition with other ...
Giving Credit where it's Due: Promoting Financial Inclusion through Quality Credit Unions
Financial Inclusion Task Fund tackle financial exclusion credit unions imaginatively and effectively
2011/9/2
Early in 2005, HM Treasury established a Financial Inclusion Task Fund to support initiatives to tackle financial exclusion. It envisages that a substantial proportion of this funding will be allocate...
Credit Derivatives and their Applicability to the Turkish Banking Sector
collateralised debt obligation credit default swap Credit derivatives credit linked note credit spread option
2011/9/2
Credit derivatives are financial contracts that offer protection against credit risk of bonds or loans. The most common forms of credit derivatives are credit default swaps, total return swaps, credit...
Do Firms Target Credit Ratings or Leverage Levels?
Firms reduce leverage credit rating downgrades net equity assets compared Rating upgrades
2011/9/2
Firms reduce leverage following credit rating downgrades. In the year following a downgrade, downgraded firms issue approximately 1.5%--2.0% less net debt relative to net equity as a percentage of ass...
The article presents information on changes to the U.S. tax code for 2009, focusing on opportunities for deductions. These include the American Opportunity credit, for college education; the First-Tim...
This study examines the factors that are related to the growth of credit union liabilities. We use individual credit union data on deposit categories and their associated interest rates to measure the...