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Author : John D. Whitley
Publisher :
ISBN 13 :
Total Pages : 36 pages
Book Rating : 4.:/5 (249 download)
Download or read book An Empirical Model of Household Arrears written by John D. Whitley and published by . This book was released on 2004 with total page 36 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Lyn Thomas
Publisher : SIAM
ISBN 13 : 1611974569
Total Pages : 380 pages
Book Rating : 4.6/5 (119 download)
Download or read book Credit Scoring and Its Applications, Second Edition written by Lyn Thomas and published by SIAM. This book was released on 2017-08-16 with total page 380 pages. Available in PDF, EPUB and Kindle. Book excerpt: Credit Scoring and Its Applications is recognized as the bible of credit scoring. It contains a comprehensive review of the objectives, methods, and practical implementation of credit and behavioral scoring. The authors review principles of the statistical and operations research methods used in building scorecards, as well as the advantages and disadvantages of each approach. The book contains a description of practical problems encountered in building, using, and monitoring scorecards and examines some of the country-specific issues in bankruptcy, equal opportunities, and privacy legislation. It contains a discussion of economic theories of consumers' use of credit, and readers will gain an understanding of what lending institutions seek to achieve by using credit scoring and the changes in their objectives. New to the second edition are lessons that can be learned for operations research model building from the global financial crisis, current applications of scoring, discussions on the Basel Accords and their requirements for scoring, new methods for scorecard building and new expanded sections on ways of measuring scorecard performance. And survival analysis for credit scoring. Other unique features include methods of monitoring scorecards and deciding when to update them, as well as different applications of scoring, including direct marketing, profit scoring, tax inspection, prisoner release, and payment of fines.
Author : Mr.Jochen R. Andritzky
Publisher : International Monetary Fund
ISBN 13 : 1498322344
Total Pages : 37 pages
Book Rating : 4.4/5 (983 download)
Download or read book Resolving Residential Mortgage Distress written by Mr.Jochen R. Andritzky and published by International Monetary Fund. This book was released on 2014-12-17 with total page 37 pages. Available in PDF, EPUB and Kindle. Book excerpt: In housing crises, high mortgage debt can feed a vicious circle of falling housing prices and declining consumption and incomes, leading to higher mortgage defaults and deeper recessions. In such situations, resolution policies may need to be adapted to help contain negative feedback loops while minimizing overall loan losses and moral hazard. Drawing on recent experiences from Iceland, Ireland, Spain, and the United States, this paper discusses how economic trade-offs affecting mortgage resolution differ in crises. Depending on country circumstances, the economic benefits of temporary forbearance and loan modifications for struggling households could outweigh their costs.
Author : Johanna Niemi
Publisher : Bloomsbury Publishing
ISBN 13 : 1847315224
Total Pages : 462 pages
Book Rating : 4.8/5 (473 download)
Download or read book Consumer Credit, Debt and Bankruptcy written by Johanna Niemi and published by Bloomsbury Publishing. This book was released on 2009-07-15 with total page 462 pages. Available in PDF, EPUB and Kindle. Book excerpt: After a long period of prosperity and steady economic growth, the world's leading economies are now in crisis, and although there will be debate about its origins, the scale and seriousness of the crisis is in no doubt. There is also no doubt that excessive amounts of consumer credit, allied to a weak understanding of how globalised credit markets might react to a crisis, have played a significant part. This book, which is primarily about credit, debt and the trouble they have led to, is written by authors who have specialised in researching into over-indebtedness, that is, situations in which an individual's debt burden has become overwhelming. For these authors the plight of individuals is a primary concern, but the wider issue is how credit is used and how it changes societies. The essays in this volume, addressing topics which are fundamental to our understanding of the current crisis, range widely across the whole sector of consumer finance, including mortgages, 'credit-binges', the regulation of consumer lending, insolvency, repayment plans, debt counselling and much more besides. The conclusions drawn from the book are equally wide-ranging, but above all the lesson learned from these essays is that the financialisation of contemporary life ensures that issues of the appropriate role of credit remain of critical importance in society.
Author : Francis J. Breedon
Publisher :
ISBN 13 :
Total Pages : 44 pages
Book Rating : 4.3/5 ( download)
Download or read book House Prices, Arrears and Possessions written by Francis J. Breedon and published by . This book was released on 1993 with total page 44 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : International Monetary
Publisher : International Monetary Fund
ISBN 13 :
Total Pages : 123 pages
Book Rating : 4.4/5 (2 download)
Download or read book United Kingdom: Financial Sector Assessment Program-Systemic Stress, and Climate-Related Financial Risks: Implications for Balance Sheet Resilience written by International Monetary and published by International Monetary Fund. This book was released on 2022-04-08 with total page 123 pages. Available in PDF, EPUB and Kindle. Book excerpt: The FSAP started in an important macro-financial phase right after the second Covid wave and a third lockdown. The balance sheet resilience of major institutional sectors was at the center of policy considerations. Against this backdrop, the FSAP analyzed the pandemic’s potential “scarring” of banks, insurers, corporates, and households balance sheets, focusing on the interplay of macro-financial/structural conditions and financial vulnerabilities.
Author :
Publisher :
ISBN 13 :
Total Pages : 542 pages
Book Rating : 4.:/5 ( download)
Download or read book Bulletin written by and published by . This book was released on 2005 with total page 542 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :
Publisher :
ISBN 13 :
Total Pages : 208 pages
Book Rating : 4.:/5 (8 download)
Download or read book Financial Stability Review written by and published by . This book was released on 2006 with total page 208 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :
Publisher :
ISBN 13 :
Total Pages : 410 pages
Book Rating : 4.F/5 ( download)
Download or read book Prague Economic Papers written by and published by . This book was released on 2008 with total page 410 pages. Available in PDF, EPUB and Kindle. Book excerpt: Quarterly journal of economic theory and policy.
Author : M. Ayhan Kose
Publisher : World Bank Publications
ISBN 13 : 1464815453
Total Pages : 403 pages
Book Rating : 4.4/5 (648 download)
Download or read book Global Waves of Debt written by M. Ayhan Kose and published by World Bank Publications. This book was released on 2021-03-03 with total page 403 pages. Available in PDF, EPUB and Kindle. Book excerpt: The global economy has experienced four waves of rapid debt accumulation over the past 50 years. The first three debt waves ended with financial crises in many emerging market and developing economies. During the current wave, which started in 2010, the increase in debt in these economies has already been larger, faster, and broader-based than in the previous three waves. Current low interest rates mitigate some of the risks associated with high debt. However, emerging market and developing economies are also confronted by weak growth prospects, mounting vulnerabilities, and elevated global risks. A menu of policy options is available to reduce the likelihood that the current debt wave will end in crisis and, if crises do take place, will alleviate their impact.
Author : Mindaugas Leika
Publisher : International Monetary Fund
ISBN 13 : 1484326792
Total Pages : 56 pages
Book Rating : 4.4/5 (843 download)
Download or read book A Generalized Framework for the Assessment of Household Financial Vulnerability written by Mindaugas Leika and published by International Monetary Fund. This book was released on 2017-11-07 with total page 56 pages. Available in PDF, EPUB and Kindle. Book excerpt: Household financial fragility has received considerable attention following the global financial crisis, but substantial gaps remain in the analytical underpinnings of household financial vulnerability assessment, as well as in data availability. This paper aims at integrating the contributions in the literature in a coherent fashion. The study proposes also analytical and estimation extensions aimed at improving the quality of estimates and allowing the assessment of household financial vulnerability in presence of data limitations. The result of this effort is a comprehensive framework, that has wide applicability to both advanced and developing economies. For illustrative purposes the paper includes a detailed application to one developing country (Namibia).
Download or read book New Zealand, Selected Issues and Statistical Appendix written by and published by . This book was released on 2005 with total page 52 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :
Publisher :
ISBN 13 :
Total Pages : 416 pages
Book Rating : 4.:/5 (9 download)
Download or read book Report on Financial Stability written by and published by . This book was released on 2000 with total page 416 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Agnieszka Wałęga
Publisher : Taylor & Francis
ISBN 13 : 100063213X
Total Pages : 209 pages
Book Rating : 4.0/5 (6 download)
Download or read book Economic Well-being and Household Debt written by Agnieszka Wałęga and published by Taylor & Francis. This book was released on 2022-08-12 with total page 209 pages. Available in PDF, EPUB and Kindle. Book excerpt: The growing indebtedness of households reported over the last 30 years and in most developed countries has serious economic and social implications. This book provides insight into the concepts, measures, and determinants of household indebtedness, over-indebtedness, and well-being by integrating theoretical perspectives, adopting recent analytical methods, and using a sample of Polish households. The authors identified the socio-demographic and economic characteristics of indebted and over-indebted households, as well as the basic characteristics of indebtedness and the differences in its subjective perception among over-indebted households and those that are not over-indebted. They determined the spatial differentiation of over-indebtedness, examining the relationship between economic, social and behavioural factors and over-indebtedness and the role of over-indebtedness in shaping the economic well-being of households. The results of a questionnaire conducted on a sample of Polish households and econometric modelling served as the basis for assessing the economic well-being of indebted households. This assessment was conducted with the use of a composite well-being indicator developed by the authors. Given the multidimensional nature of the issues being analysed, the authors offer an approach that accounts for two separate but overlapping dimensions of economic well-being, namely material and financial, and two ways of assessing each of them: objective and subjective. The book holds appeal for researchers, scholars, and students of economics, finance, consumer economics, and economic psychology and offers practical guidance for policymakers and advisors who deal with consumer affairs.
Author : Lorna Fox O'Mahony
Publisher : Bloomsbury Publishing
ISBN 13 : 1847312918
Total Pages : 568 pages
Book Rating : 4.8/5 (473 download)
Download or read book Conceptualising Home written by Lorna Fox O'Mahony and published by Bloomsbury Publishing. This book was released on 2006-12-01 with total page 568 pages. Available in PDF, EPUB and Kindle. Book excerpt: It is difficult to overstate the everyday importance of home in law. Home provides the backdrop for our lives, and is often the scene or the subject of legal disputes. In addition, in recent decades there has been growing academic interest in the meaning of home, which has prompted empirical studies and theoretical exploration in a wide range of disciplines. Yet, while the authenticity of home as a social, psychological, cultural and emotional phenomenon has been recognised in other disciplines, it has not penetrated the legal domain, where the proposition that home can encapsulate meanings beyond the physical structure of the house, or the capital value it represents, continues to present conceptual difficulties. This book focuses on the competing interests of creditors who lend money against the security of the property and the occupiers who dwell in the property, in the context of possession actions. By mapping the concept of home as it has evolved in other disciplines against existing legal frameworks, Conceptualising Home examines the possibilities for developing a coherent concept of home in law.
Author :
Publisher :
ISBN 13 :
Total Pages : 386 pages
Book Rating : 4.3/5 ( download)
Download or read book Moneda y crédito written by and published by . This book was released on 2007 with total page 386 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :
Publisher :
ISBN 13 :
Total Pages : 1430 pages
Book Rating : 4.:/5 (334 download)
Download or read book Journal of Housing Research written by and published by . This book was released on 2006 with total page 1430 pages. Available in PDF, EPUB and Kindle. Book excerpt:
