for pricing deposits. Banks often pay no premium on time or on quantity of deposits. On one hand this is not surprising … since the banking sector has been very liquid for last several years and the banks see deposits as a cost, but what is … interesting is that the banks do not price in forward looking expectation regarding the state of economy or country rating. This …

initiated by the central bank, i.e. structural changes of: credit policy of the banking system, development in the external …

problem is the willingness of banks to have more credit risk and the second problem is the way monetary policy is conducted in … significant because for the first time in Croatia there is a measure whose purpose is to affect specifically credit policy of the … banks. Although this new measure has good intentions it does not solve the problem of why highly liquid banking system in …

This paper probes the role of banks and credit in our socio-economic system using the metaphor of banks as social … accountants (Stiglitz and Weiss 1988). It highlights the credit nature of money, and thus the fact that money is an accounting … construct. This motivates the viewing of financial booms and crises through an accounting lens. By accounting necessity, credit …

RRBs) in issuance of credit to agriculture sector during the post-reform period by using time series data from 1975 to 2005 …. The analysis reveals that the trends of direct (short and long-term) and indirect institutional credit to agriculture … as percentage of total direct institutional credit has increased significantly whereas the co-operatives share has …

The objectives of this study are three-fold. The first is to rebut Charles Kindleberger’s famous dictum that usury … anti-usury campaign from the early 13th century led to a veritable financial revolution in late-medieval French and Flemish … borrowing from interest-bearing loans to the sale of annuities, usually called rentes or renten. That anti-usury campaign had …

to identifying credit constrained (loan refused) households and makes use of the Logit and Poisson regression to regress …

guidelines, evaluate prospective homeowners’ credit, and make loans. Having done so, lenders generally hold only a fraction of … underlying assets for residential mortgage-backed securities. Individuals with strong credit qualify for traditional mortgages …, whereas those with weak credit histories that include payment delinquencies, and possibly more severe problems such as charge …