After the downgrading by Moody’s of the rating assigned to Italy, can credit guarantees Consortia continue to be risk mitigators tools? The UniCredit group experience has led to an internal rating specific to Mutual associations, which allows the bank to identify on an objective basis the...

Recession is pushing the public bodies to modify their action aimed to support SMEs access to credit. This may be an opportunity to streamline the forms of support and redefine the functioning of instruments such as the Central Guarantee Fund for SMEs. Also local authorities can play a...

Many indicators have been developed at international level to evaluate the quality of corporate governance. In this paper, the fundamental elements and limitations of existing indicators are discussed. Among these indicators, particular attention has been focused on the Gim Index, an index...

This research analyzes the relevance of pricing models to the behaviour of banking service customers, in particular, how bank pricing models influence the acquisition and retention of retail customers.The survey is based on a dataset of 90,000 bank current account holders at an Italian...