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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...
银监会提高容忍度 小微企业贷款不良率可达5%
银监会 小微企业 贷款
2011/9/29
2011年9月28日，银监会监管二部主任肖远企在中国银行业协会举办的银行前沿问题大讲堂上表示，监管部门对小微企业贷款的不良贷款率的容忍度可以提高到5%，这也是监管部门首次透露这一数据。
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...
Fueling the Credit Crisis: Who Uses Consumer Credit and What Drives Debt Burden?
consumer debt credit attitude personal savings
2011/9/2
Excessive household debt contributed to the worst recession in decades. Insights about borrowing and spending behavior can inform economic recovery forecasts, policy decisions, and financial education...
Do credit default swaps predict currency values?
four currencies the US Dollar the lead-lag relationship Credit Default Swapmarket the currency market
2011/9/2
Using daily data of four currencies (Japanese Yen (JPY), Euro (EUR), British Pound (GBP) and Australian Dollar (AUD)) in terms of the US Dollar (USD), and JPY, USD, GBP and AUD in terms of the EUR fro...
CREDIT REGULATIONS AND CONSUMER BUYING - A CRITICAL EVALUATION OF AVAILABLE CONSUMER CREDIT STATISTICS
a critical evaluation available consumer credit statistics three principal types of credit statistics periodic basis
2011/9/2
The article presents a critical evaluation of available consumer credit statistics. It is reported that there are three principal types of consumer credit statistics available on a regular or periodic...
BATTLE ROYAL: CREDIT VS. DEBIT
the relative merits credit cards personal finance protection against fraud balance
2011/9/2
The article presents a discussion of the relative merits of credit cards, debit cards, and cash in terms of personal finance. The advantages of credit cards include better protection against fraud, bu...
The article presents information on credit cards, focusing on the risks associated with companies that claim they can offer low interest rates, balance transfers, and instant approvals. Methods for co...
THE NEW RULES OF CREDIT CARDS
credit-card issues consumers fuming over changes lawmakers delinquencies and defaults
2011/9/2
This article deals with credit-card issues facing consumers in the U.S. American cardholders are fuming over changes in the terms of the agreements they had with their credit-card companies. As a resu...