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THE INTERACTION OF METROPOLITAN COST-OF-LIVING AND THE FEDERAL EARNED INCOME TAX CREDIT: ONE SIZE FITS ALL?
cost-of-living differentials EITC housing costs labor supply
2011/8/30
This paper explores the interaction between the federal Earned Income Tax Credit (EITC) and the cost-of-living faced by single mothers. After the 1993 EITC expansion, we identify up to an 8 percentage...
Regulating credit rating agencies: The issue of conflicts of interest in the rating of structured finance products
civil liability credit rating agencies rating-based regulation regulation credit rating agencies
2011/8/30
As a result of the financial crisis, the work of the credit rating agencies (CRAs) has been questioned. It is said that they underestimated the risk in structured finance products and allowed conflict...
Predicting New Customers' Risk Type in the Credit Card Market
Bayesian estimation customer relationship management market segmentation risk prediction
2011/8/30
Recent studies in marketing have consistently shown that all customers are not equally profitable. In the credit card business, all customers are not equally risky. When a customer misses one payment ...
COUNTERPARTY RISK FOR CREDIT DEFAULT SWAPS:: IMPACT OF SPREAD VOLATILITY AND DEFAULT CORRELATION
contingent credit default swaps copula functions Counterparty risk Credit Default Swaps
2011/8/30
We consider counterparty risk for Credit Default Swaps (CDS) in presence of correlation between default of the counterparty and default of the CDS reference credit. Our approach is innovative in that,...
Have Differences in Credit Access Diminished in an Era of Financial Market Deregulation?
cost of credit financial constraints financial market deregulation household credit
2011/8/30
Over the past few decades, financial markets became increasingly deregulated and household debt expanded, sometimes rapidly. It is thus possible that greater deregulation led to improved credit access...
Lending by numbers’: credit scoring and the constitution of risk within American consumer
consumer credit consumption credit scoring risk
2011/8/28
his paper examines how statistical credit-scoring technologies, sanctioned by the state in the interests of promoting equality, became applied by lenders to the problem of controlling levels of defaul...
The Role and Level of Involvement of Credit Union Directors in Strategic Management: A Research
2011/8/28
Credit unions are a growing and important part of the global financial system. The history of the credit union movement is summarized and the characteristics making credit unions different from banks ...
Is that a business credit card in your wallet?
business credit cards Exploitative practices legal protections
2011/8/28
The article examines use of business credit cards by small business. Research is cited indicating that credit cards are the leading source of capital for small business and of small business lending. ...
This article presents a technique for managing consumer credit. The article discusses a computerized procedure for weighing the merits of credit applications, the use of a credit score for optimal scr...
On Credit-Spread Slopes and Predicting Bank Risk
constructing credit-spread curves credit-spread slopes bank risk
2011/8/28
We examine whether bank credit-spread curves, engendered by subordinated debt, would help predict bank risk. We extract credit-spread curves for each bank each quarter and analyze the predictive prope...
A Model of Money and Credit, with Application to the Credit Card Debt Puzzle
credit card debt high interest rates low rates dominance puzzle
2011/8/26
Many individuals simultaneously have significant credit card debt and money in the bank. The credit card debt puzzle is as follows: given high interest rates on credit cards and low rates on bank acco...
Consumer credit card ownership and usage practices: empirical evidence from Sri Lanka
Consumer credit card ownership credit card usage credit cards
2011/8/26
Knowledge that has been accumulated through research efforts concerning credit card ownership and usage behaviour has been confined to Western societies. Given the importance of cross-national applica...
Escape from the Great American Debt Trap
improvements to the average credit recession credit-card companies lower delinquency rates
2011/8/26
The article discusses improvements to the average credit score of residents of the U.S. as of July 2011. According to the article this is an improvement since the start of the recession that began in ...
On multiple-class prediction of issuer credit ratings
industry effect issuer credit rating market-driven variable optimal cutoff value ordered probit model selection bias
2011/8/26
For multiple-class prediction, a frequently used approach is based on ordered probit model. We show that this approach is not optimal in the sense that it is not designed to minimize the error rate of...
Transitional credit modelling and its relationship to market value at risk: an Australian sectoral perspective
Conditional value at risk Credit risk Industries Transition matrix Value at risk
2011/8/26
Internal credit risk modelling is important for banks for the calculation of capital adequacy in terms of the Basel Accords, and for the management of sectoral exposure. We examine Credit Value at Ris...