Read Books Online and Download eBooks, EPub, PDF, Mobi, Kindle, Text Full Free.
Download Etude Critique Des Methodes Doctroi De Credit Aux Entreprises Dans Une Banque full books in PDF, epub, and Kindle. Read online Etude Critique Des Methodes Doctroi De Credit Aux Entreprises Dans Une Banque ebook anywhere anytime directly on your device. Fast Download speed and no annoying ads. We cannot guarantee that every ebooks is available!
Author : Léon Assaraf
Publisher :
ISBN 13 :
Total Pages : 214 pages
Book Rating : 4.:/5 (261 download)
Download or read book Etude critique des méthodes d'octroi de crédit aux entreprises dans une banque written by Léon Assaraf and published by . This book was released on 1979 with total page 214 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Kouassi Jean-Baptiste Koli
Publisher : Editions Universitaires Européennes
ISBN 13 : 9783838181851
Total Pages : 120 pages
Book Rating : 4.1/5 (818 download)
Download or read book Analyse du processus d'octroi de crédits bancaires aux entreprises written by Kouassi Jean-Baptiste Koli and published by Editions Universitaires Européennes. This book was released on 2012 with total page 120 pages. Available in PDF, EPUB and Kindle. Book excerpt: L'octroi de crédit par les banques joue un rôle clé dans l'évolution économique d'un pays.Cette activité est coutumière des entreprises qui recourent à cette sorte de financement pour développer leurs affaires. Pour le banquier, l'octroi de crédit correspond à une prise de risque: celui de l'insolvabilité de l'emprunteur. Ainsi, l'organisation de la maîtrise du risque de crédit a une importance particulière et doit reposer sur un certain nombre de principes et une politique cohérente en matière d'étude des dossiers et de suivi des concours. La fonction crédit est dès lors le pivot central de cette organisation et son processus doit permettre la maîtrise de ce risque. La meilleure façon donc de se mettre à l'abri du risque de contrepartie, c'est de ne prendre au départ que de bons risques. Par conséquent, c'est au stade de la décision que se joue l'essentiel de la partie. Le banquier se doit donc de se doter d'une politique de crédit rigoureuse et réunir plusieurs sources d'informations suffisamment fiables pour motiver et justifier sa prise de décision.Ce livre fournit l'essentiel sur les outils et techniques pour la maîtrise du processus d'octroi de crédits aux entreprises.
Author : Mariam Etman
Publisher :
ISBN 13 :
Total Pages : 362 pages
Book Rating : 4.:/5 (124 download)
Download or read book L'impact des normes prudentielles et comptables sur la décision d'octroi de crédit aux entreprises au sein des banques written by Mariam Etman and published by . This book was released on 2015 with total page 362 pages. Available in PDF, EPUB and Kindle. Book excerpt: Le secteur bancaire est actuellement en pleine mutation et en pleine évolution. Il subit un mouvement d'homogénéisation et de colonisation par les normes. Ce mouvement s'exprime particulièrement par une imposition de normes internationales prudentielles et comptables. Les pays développés sont les relais de la transmission de ces phénomènes dans les pays en voie de développement, et notamment en Égypte, pays étudié dans cette thèse. Pourtant, l'existence des diversités et des spécificités économiques et culturelles propres à chaque pays laisse penser que ces normes pourraient en fait n'être appliquées que d'une manière superficielle lorsqu'elles sont transposées à un contexte économique et culturel différent. Ceci nous amène à poser la question de recherche suivante : Les spécificités économiques et culturelles du pays seront-elles plus fortes que la transmission du mouvement d'homogénéisation internationale porté par la diffusion des normes comptables et prudentielles ? Afin de répondre à cette question, nous avons choisi un processus qui est impacté par l'application des normes prudentielles et comptables: la décision d'octroi de crédit par une banque, à une entreprise. L'objectif est de comparer comment des banques implantées en France et en Égypte prennent des décisions d'octroi de crédit aux entreprises. Nous avons choisi une banque française implantée en Égypte et en France, et une banque Égyptienne implantée en Égypte. La recherche s' appuie sur une méthodologie qualitative, approfondie et comparative. Elle repose sur une comparaison inter-banque et inter-pays. Nous interprétons nos résultats à la lumière du cadre de la théorie néo-institutionnelle sociologique.
Author : Groupe ESC Lyon
Publisher :
ISBN 13 :
Total Pages : 48 pages
Book Rating : 4.:/5 (468 download)
Download or read book Les modalités de rationalisation de la décision d'octroi de crédit written by Groupe ESC Lyon and published by . This book was released on 1995 with total page 48 pages. Available in PDF, EPUB and Kindle. Book excerpt: L'objet de cet article est d'étudier les modalités de la rationalisation de la décision d'octroi ou de refus de crédit bancaire aux entreprises. En nous appuyant sur une étude réalisée sous forme d'entretiens de recherche auprès d'une grande banque française, nous avons cherché à comprendre comment l'acteur en situation dans la banque peut rationaliser son comportement. C'est-à-dire, le rendre cohérent par rapport au fonctionnement de la firme. Nous avons développé notre approche en utilisant la grille de lecture de la théorie économique des conventions. C'est par le recours à une logique de minimisation du risque, véhiculée par le dossier de crédit, que l'acteur va pouvoir justifier sa décision. Le recours à la convention permet à l'individu de résoudre l'incertitude et lui donne également les modalités d'application de la solution qu'elle véhicule. Le processus de normalisation ne s'arrête pas à la mise en avant d'une logique commune pour appréhender le risque, il donne également aux acteurs des instruments de mesure précis.
Author : Soha Badr
Publisher :
ISBN 13 :
Total Pages : 0 pages
Book Rating : 4.:/5 (14 download)
Download or read book La mesure du risque de non remboursement des crédits written by Soha Badr and published by . This book was released on 2006 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Nous vivons dans un monde en évolution constante lorsqu' il s'agit des établissements financiers, de leur méthode d'évaluation et du processus d'octroi de crédit et la recherche de techniques d'appréciation du risque crédit est une préoccupation cruciale des banques. La problérnatique est done centrée sur la possibité de promouvoir la prévention du risque de defaillance via un référentiel synthétique de mesure représentant un outil d' aide à la prise de décision et à la determination du niveau de rating du client. Dans ce cadre nous proposons d'étudier les différents risques affectant directement ou indirectement les crédits banCaires, le processus et les modèles d' analyse du risque de défaillance ainsi que les facteurs influant la decision d'octroi de crédit. Une étude empirique menée sur un échantillon de banques libanaises permet de completer l'identification des critères de mesure du risque de non remboursement pour en finir à la construction d'un référentiel de mesure adapté au secteur bancaire libanais.
Author : Véronique Rouges
Publisher :
ISBN 13 :
Total Pages : 0 pages
Book Rating : 4.:/5 (18 download)
Download or read book Le rôle des informations comptables dans les décisions bancaires de crédit aux entreprises written by Véronique Rouges and published by . This book was released on 2019 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Cette thèse rend compte d'une recherche sur le rôle des informations comptables dans les décisions prises par les banques en matière de crédit aux entreprises. Fondée à la fois sur des méthodes qualitatives et quantitatives, elle propose une analyse des propos de banquiers et de modèles de dossiers de crédit ainsi qu'une étude statistique de décisions bancaires de crédit : octroi et choix des termes du crédit. Grâce à des données originales, dont certaines sont confidentielles, elle apporte des éléments de compréhension sur les logiques à l'œuvre dans les décisions bancaires et met en lumière des informations, comptables comme non comptables, qui contribuent à la formation de ces décisions. Il en résulte que les informations comptables, bien qu'incontournables, ne semblent pas jugées suffisantes à une prise de décision éclairée et leur contribution aux décisions ne paraît pas prédominante. Des conclusions en matière de normalisation comptable peuvent en être tirées.
Author : Alice Eyabe
Publisher :
ISBN 13 :
Total Pages : 72 pages
Book Rating : 4.:/5 (493 download)
Download or read book Critères d'octroi des crédits aux entreprises par les banques en France written by Alice Eyabe and published by . This book was released on 1987 with total page 72 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Majid Bazarbash
Publisher : International Monetary Fund
ISBN 13 : 1498314422
Total Pages : 34 pages
Book Rating : 4.4/5 (983 download)
Download or read book FinTech in Financial Inclusion: Machine Learning Applications in Assessing Credit Risk written by Majid Bazarbash and published by International Monetary Fund. This book was released on 2019-05-17 with total page 34 pages. Available in PDF, EPUB and Kindle. Book excerpt: Recent advances in digital technology and big data have allowed FinTech (financial technology) lending to emerge as a potentially promising solution to reduce the cost of credit and increase financial inclusion. However, machine learning (ML) methods that lie at the heart of FinTech credit have remained largely a black box for the nontechnical audience. This paper contributes to the literature by discussing potential strengths and weaknesses of ML-based credit assessment through (1) presenting core ideas and the most common techniques in ML for the nontechnical audience; and (2) discussing the fundamental challenges in credit risk analysis. FinTech credit has the potential to enhance financial inclusion and outperform traditional credit scoring by (1) leveraging nontraditional data sources to improve the assessment of the borrower’s track record; (2) appraising collateral value; (3) forecasting income prospects; and (4) predicting changes in general conditions. However, because of the central role of data in ML-based analysis, data relevance should be ensured, especially in situations when a deep structural change occurs, when borrowers could counterfeit certain indicators, and when agency problems arising from information asymmetry could not be resolved. To avoid digital financial exclusion and redlining, variables that trigger discrimination should not be used to assess credit rating.
Author : Viviana A. Zelizer
Publisher : Princeton University Press
ISBN 13 : 1400826756
Total Pages : 369 pages
Book Rating : 4.4/5 (8 download)
Download or read book The Purchase of Intimacy written by Viviana A. Zelizer and published by Princeton University Press. This book was released on 2009-02-09 with total page 369 pages. Available in PDF, EPUB and Kindle. Book excerpt: In their personal lives, people consider it essential to separate economics and intimacy. We have, for example, a long-standing taboo against workplace romance, while we see marital love as different from prostitution because it is not a fundamentally financial exchange. In The Purchase of Intimacy, Viviana Zelizer mounts a provocative challenge to this view. Getting to the heart of one of life's greatest taboos, she shows how we all use economic activity to create, maintain, and renegotiate important ties--especially intimate ties--to other people. In everyday life, we invest intense effort and worry to strike the right balance. For example, when a wife's income equals or surpasses her husband's, how much more time should the man devote to household chores or child care? Sometimes legal disputes arise. Should the surviving partner in a same-sex relationship have received compensation for a partner's death as a result of 9/11? Through a host of compelling examples, Zelizer shows us why price is central to three key areas of intimacy: sexually tinged relations; health care by family members, friends, and professionals; and household economics. She draws both on research and materials ranging from reports on compensation to survivors of 9/11 victims to financial management Web sites and advice books for same-sex couples. From the bedroom to the courtroom, The Purchase of Intimacy opens a fascinating new window on the inner workings of the economic processes that pervade our private lives.
Author : Dean Karlan
Publisher : National Geographic Books
ISBN 13 : 0452297567
Total Pages : 0 pages
Book Rating : 4.4/5 (522 download)
Download or read book More Than Good Intentions written by Dean Karlan and published by National Geographic Books. This book was released on 2012-03-27 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: A revolutionary approach to poverty that takes human irrationality into account-and unlocks the mystery of making philanthropic spending really work. American individuals and institutions spent billions of dollars to ease global poverty and accomplished almost nothing. At last we have a realistic way forward. Presenting innovative and successful development interventions around the globe, Dean Karlan and Jacob Appel show how empirical analysis coupled with the latest thinking in behavioral economics can make a profound difference. From Kenya, where teenagers reduced their risk of contracting AIDS by having more unprotected sex with partners their own age, to Mexico, where giving kids a one-dollar deworming pill boosted school attendance better than paying their families to send them, More Than Good Intentions reveals how to invest those billions far more effectively and begin transforming the well-being of the world.
Author : Janos Barberis
Publisher : John Wiley & Sons
ISBN 13 : 1119362172
Total Pages : 1004 pages
Book Rating : 4.1/5 (193 download)
Download or read book The REGTECH Book written by Janos Barberis and published by John Wiley & Sons. This book was released on 2019-08-06 with total page 1004 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Regulatory Technology Handbook The transformational potential of RegTech has been confirmed in recent years with US$1.2 billion invested in start-ups (2017) and an expected additional spending of US$100 billion by 2020. Regulatory technology will not only provide efficiency gains for compliance and reporting functions, it will radically change market structure and supervision. This book, the first of its kind, is providing a comprehensive and invaluable source of information aimed at corporates, regulators, compliance professionals, start-ups and policy makers. The REGTECH Book brings into a single volume the curated industry expertise delivered by subject matter experts. It serves as a single reference point to understand the RegTech eco-system and its impact on the industry. Readers will learn foundational notions such as: • The economic impact of digitization and datafication of regulation • How new technologies (Artificial Intelligence, Blockchain) are applied to compliance • Business use cases of RegTech for cost-reduction and new product origination • The future regulatory landscape affecting financial institutions, technology companies and other industries Edited by world-class academics and written by compliance professionals, regulators, entrepreneurs and business leaders, the RegTech Book represents an invaluable resource that paves the way for 21st century regulatory innovation.
Author : Ronald S. Burt
Publisher : Harvard University Press
ISBN 13 : 0674029097
Total Pages : 325 pages
Book Rating : 4.6/5 (74 download)
Download or read book Structural Holes written by Ronald S. Burt and published by Harvard University Press. This book was released on 2009-06-30 with total page 325 pages. Available in PDF, EPUB and Kindle. Book excerpt: Ronald Burt describes the social structural theory of competition that has developed through the last two decades. The contrast between perfect competition and monopoly is replaced with a network model of competition. The basic element in this account is the structural hole: a gap between two individuals with complementary resources or information. When the two are connected through a third individual as entrepreneur, the gap is filled, creating important advantages for the entrepreneur. Competitive advantage is a matter of access to structural holes in relation to market transactions.
Author : Marcelo G. Kohen
Publisher : Cambridge University Press
ISBN 13 : 9780521849289
Total Pages : 560 pages
Book Rating : 4.8/5 (492 download)
Download or read book Secession written by Marcelo G. Kohen and published by Cambridge University Press. This book was released on 2006-03-21 with total page 560 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book is a comprehensive study of secession from an international law perspective.
Author : David Warren Sabean
Publisher : Berghahn Books
ISBN 13 : 9781845452889
Total Pages : 358 pages
Book Rating : 4.4/5 (528 download)
Download or read book Kinship in Europe written by David Warren Sabean and published by Berghahn Books. This book was released on 2007 with total page 358 pages. Available in PDF, EPUB and Kindle. Book excerpt: Since the publication of Philippe Ariès' book, 'Centuries of Childhood', there has been great interest among historians in the history of the family and the household. The essays in this text explore two major transitions in kinship patterns - at the end of the Middle Ages and at the end of the 18th century.
Author : Beatriz Armendariz
Publisher : World Scientific
ISBN 13 : 9814295655
Total Pages : 700 pages
Book Rating : 4.8/5 (142 download)
Download or read book The Handbook of Microfinance written by Beatriz Armendariz and published by World Scientific. This book was released on 2011 with total page 700 pages. Available in PDF, EPUB and Kindle. Book excerpt: Handbook of Microfinance addresses the gap between clients who are benefiting from access to financial services via MFIs, and the potential market, which remains underserved or untapped. This gap can be attributed to a "mismatch" between what consumers, or potential clients, demand and what MFIs offer in terms of financial products. The scope of the book is wide. It includes successes and failures, main challenges and debates, methodologies for impact evaluation via random trials, leading trends in Asia versus Latin America, main efforts in Africa, the importance of value chains in Central America, ethical and gender issues, savings, microinsurance, governance, commercialization trends and the potential advantages and disadvantages of it. Lastly it features main lessons from informal finance and 19th-century credit cooperatives addressing the above-mentioned mismatch.
Author : Mark Granovetter
Publisher : University of Chicago Press
ISBN 13 : 022651840X
Total Pages : 264 pages
Book Rating : 4.2/5 (265 download)
Download or read book Getting a Job written by Mark Granovetter and published by University of Chicago Press. This book was released on 2018-06-29 with total page 264 pages. Available in PDF, EPUB and Kindle. Book excerpt: This classic study of how 282 men in the United States found their jobs not only proves "it's not what you know but who you know," but also demonstrates how social activity influences labor markets. Examining the link between job contacts and social structure, Granovetter recognizes networking as the crucial link between economists studies of labor mobility and more focused studies of an individual's motivation to find work. This second edition is updated with a new Afterword and includes Granovetter's influential article "Economic Action and Social Structure: The Problems of Embeddedness." "Who would imagine that a book with such a prosaic title as 'getting a job' could pose such provocative questions about social structure and even social policy? In a remarkably ingenious and deceptively simple analysis of data gathered from a carefully designed sample of professional, technical, and managerial employees . . . Granovetter manages to raise a number of critical issues for the economic theory of labor markets as well as for theories of social structure by exploiting the emerging 'social network' perspective."—Edward O. Laumann, American Journal of Sociology "This short volume has much to offer readers of many disciplines. . . . Granovetter demonstrates ingenuity in his design and collection of data."—Jacob Siegel, Monthly Labor Review "A fascinating exploration, for Granovetter's principal interest lies in utilizing sociological theory and method to ascertain the nature of the linkages through which labor market information is transmitted by 'friends and relatives.'"—Herbert Parnes, Industrial and Labor Relations Review
Author : Humberto Lopez
Publisher :
ISBN 13 :
Total Pages : pages
Book Rating : 4.:/5 (931 download)
Download or read book The Social Discount Rate written by Humberto Lopez and published by . This book was released on 2012 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: The social discount rate measures the rate at which a society would be willing to trade present for future consumption. As such it is one of the most critical inputs needed for cost-benefit analysis. This paper presents estimates of the social discount rates for nine Latin American countries. It is argued that if the recent track record in terms of growth in the region is indicative of future performance, estimates of the social discount rate would be in the 3-4 percent range. However, to the extent that the region improves on its past performance, the social discount rate to be used in the evaluation of projects would increase to the 5-7 percent range. The paper also argues that if the social planner gives a similar chance to the low and high growth scenario, the discount rate should be dependent on the horizon of the project, declining from 4.4 percent for a 25-year horizon to less than 4 percent for a 100-year horizon.
