An Investigation of the Effects of Loan Officers Using Total Quality Management to Reduce Charge-off Loans Within a Financial Institution PDF Download
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Author: Jennifer E. Elliott
Publisher:
ISBN:
Category : Credit unions
Languages : en
Pages : 185
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Book Description
Author: Jennifer E. Elliott
Publisher:
ISBN:
Category : Credit unions
Languages : en
Pages : 185
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Book Description
Author: John E. Delp
Publisher:
ISBN:
Category : Credit unions
Languages : en
Pages : 185
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Book Description
Author: Joseph M. Berrospide
Publisher: DIANE Publishing
ISBN: 1437939864
Category : Business & Economics
Languages : en
Pages : 50
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Book Description
The effect of bank capital on lending is a critical determinant of the linkage between financial conditions and real activity, and has received especial attention in the recent financial crisis. The authors use panel-regression techniques to study the lending of large bank holding companies (BHCs) and find small effects of capital on lending. They then consider the effect of capital ratios on lending using a variant of Lown and Morgan's VAR model, and again find modest effects of bank capital ratio changes on lending. The authors¿ estimated models are then used to understand recent developments in bank lending and, in particular, to consider the role of TARP-related capital injections in affecting these developments. Illus. A print on demand pub.
Author:
Publisher:
ISBN:
Category : Business & Economics
Languages : en
Pages : 114
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Author:
Publisher:
ISBN:
Category : Credit unions
Languages : en
Pages : 8
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Book Description
Author: Albert M. Wojnilower
Publisher:
ISBN:
Category : Bank loans
Languages : en
Pages : 94
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Book Description
Author: David S. Kidwell
Publisher: John Wiley & Sons
ISBN: 111933036X
Category : Business & Economics
Languages : en
Pages : 678
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Book Description
TRY (FREE for 14 days), OR RENT this title: www.wileystudentchoice.com Kidwell's Financial Institutions, 12th Edition presents a balanced introduction to the operation, mechanics, and structure of the U.S. financial system, emphasizing its institutions, markets, and financial instruments. The text discusses complex topics in a clear and concise fashion with an emphasis on "Real World" data, and people and event boxes, as well as personal finance examples to help retain topical interest.
Author:
Publisher:
ISBN:
Category :
Languages : en
Pages :
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Book Description
In this paper we investigate the implications of providing loan officers with a compensation structure that rewards loan volume and penalizes poor performance versus a fixed wage unrelated to performance. We study detailed transaction information for more than 45,000 loans issued by 240 loan officers of a large commercial bank in Europe. We examine the three main activities that loan officers perform: monitoring, originating, and screening. We find that when the performance of their portfolio deteriorates, loan officers increase their effort to monitor existing borrowers, reduce loan origination, and approve a higher fraction of loan applications. These loans, however, are of above-average quality. Consistent with the theoretical literature on multitasking in incomplete contracts, we show that loan officers neglect activities that are not directly rewarded under the contract, but are in the interest of the bank. In addition, while the response by loan officers constitutes a rational response to a time allocation problem, their reaction to incentives appears myopic in other dimensions.
Author: United States. National Credit Union Administration
Publisher:
ISBN:
Category : Credit unions
Languages : en
Pages : 602
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Author: Mr.Luc Laeven
Publisher: International Monetary Fund
ISBN: 1451873549
Category : Business & Economics
Languages : en
Pages : 43
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Book Description
This paper shows that banks use accounting discretion to overstate the value of distressed assets. Banks' balance sheets overvalue real estate-related assets compared to the market value of these assets, especially during the U.S. mortgage crisis. Share prices of banks with large exposure to mortgage-backed securities also react favorably to recent changes in accounting rules that relax fair-value accounting, and these banks provision less for bad loans. Furthermore, distressed banks use discretion in the classification of mortgage-backed securities to inflate their books. Our results indicate that banks' balance sheets offer a distorted view of the financial health of the banks.
