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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...
how credit scores can make a difference for your revenue cycle
credit score payment and credit history types of credit bad debt and cost
2011/8/26
The article reports on the importance of the use credit score in healthcare facilities in the U.S. It is expressed that the scoring represents individual creditworthiness taken from payment and credit...
Credit for What? Informal Credit as a Coping Strategy of Market Women in Northern Ghana
the use of informal credit managing risks costs of risk management strategies monetary dimension
2011/8/26
This paper explores the use of informal credit as a strategy for managing risks by market women in northern Ghana. A broad concept of the costs of risk management strategies is introduced and encompas...
Credit scoring using an Ant mining approach
ant colony systems classification Credit scoring feature selection rule extraction
2011/8/26
Credit scoring or credit risk assessment is a domain of major importance for financial institutions. Accurate predictions can lead to significant savings for the institutions. In the current work we e...
Discussion of 'Credit Ratings and Taxes: The Effect of Book-Tax Differences on Ratings Changes'
Credit ratings and taxes book-tax differences ratings changes
2011/8/26
The article reviews the paper in the current issue entitled "Credit ratings and taxes: The effect of book-tax differences on ratings changes" by B. Ayers, S. Laplante, and S. McGuire.
WHERE IS THE MISSING CREDIT CARD DEBT? CLUES AND IMPLICATIONS
comparable estimates aggregate credit card industry data credit card borrowing and outcomes of interest
2011/8/26
I create comparable estimates of aggregate credit card use based on household data from the Survey of Consumer Finances (SCF) and industry data. The two sources match up well on credit card charges an...
Monetizing Tax Credits & Above the Line Savings Opportunities
profit tax credits receive monetary value income tax return
2011/8/23
The article explains how to profit from monetizing tax credits, an opportunity to receive monetary value for underutilized tax credits that a taxpayer would otherwise be required to apply to its incom...