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Author : Tshilidzi Marwala
Publisher : Springer Nature
Page : 267 pages
File Size : 48,8 Mb
Release : 2024-06-03
Category : Electronic
ISBN : 9789819728275
Author : Michalis Doumpos,Christos Lemonakis,Dimitrios Niklis,Constantin Zopounidis
Publisher : Springer
Page : 115 pages
File Size : 45,6 Mb
Release : 2018-09-29
Category : Business & Economics
ISBN : 9783319994116
This book provides a unique, focused introduction to the analytical skills, methods and techniques in the assessment of credit risk that are necessary to tackle and analyze complex credit problems. It employs models and techniques from operations research and management science to investigate more closely risk models for applications within the banking industry and in financial markets. Furthermore, the book presents the advances and trends in model development and validation for credit scoring/rating, the recent regulatory requirements and the current best practices. Using examples and fully worked case applications, the book is a valuable resource for advanced courses in financial risk management, but also helpful to researchers and professionals working in financial and business analytics, financial modeling, credit risk analysis, and decision science.
Author : Noah Vardi
Publisher : BRILL
Page : 287 pages
File Size : 51,6 Mb
Release : 2022-09-12
Category : Law
ISBN : 9789004525054
In this comparative study in US and EU law, Noah Vardi questions whether there is a legally enforceable duty to lend and borrow credit in a “responsible” manner and clarifies the associated notion of “creditworthiness.”
Author : Clark R. Abrahams,Mingyuan Zhang
Publisher : John Wiley & Sons
Page : 320 pages
File Size : 52,5 Mb
Release : 2009-04-06
Category : Business & Economics
ISBN : 9780470461686
Credit Risk Assessment The New Lending System for Borrowers, Lenders, and Investors Credit Risk Assessment: The New Lending System for Borrowers, Lenders, and Investors equips you with an effective comprehensive credit assessment framework (CCAF) that can provide early warning of risk, thanks to its forward-looking analyses that do not rely on the premise that the past determines the future. Revealing how an existing credit underwriting system can be extended to embrace all relevant factors and business contexts in order to accurately classify credit risk and drive all transactions in a transparent manner, Credit Risk Assessment clearly lays out the facts. This well-timed book explores how your company can improve its current credit assessment system to balance risk and return and prevent future financial disruptions. Describing how a new and comprehensive lending framework can achieve more complete and accurate credit risk assessment while improving loan transparency, affordability, and performance, Credit Risk Assessment addresses: How a CCAF connects borrowers, lenders, and investors—with greater transparency The current financial crisis and its implications The root cause to weaknesses in loan underwriting practices and lending systems The main drivers that undermine borrowers, lenders, and investors Why a new generation of lending systems is needed Market requirements and how a comprehensive risk assessment framework can meet them The notion of an underwriting gap and how it affects the lenders' underwriting practices Typical issues associated with credit scoring models How improper use of credit scoring in underwriting underestimates the borrower's credit risk The ways in which the current lending system fails to address loan affordability How mortgage and capital market financial innovation relates to the crisis
Author : Canada. Environment Canada. Atlantic Region. Pollution Prevention Section
Publisher : [Dartmouth, N.S.] : The Section
Page : 39 pages
File Size : 40,7 Mb
Release : 1998
Category : Commercial loans
ISBN : 0662268474
Exposure to a borrower's environmental risks is a significant concern for lending institutions who may be liable for substantial clean-up costs which far exceed the risk of default by the borrower. To understand how lenders are addressing this concern, Environment Canada conducted a baseline survey of financial institutions in Atlantic Canada to assess what mechanisms are being implemented to minimize exposure to a potential client's environmental risk, and to determine the potential of promoting pollution prevention as an essential element in the assessment of creditworthiness. This report describes the procedures currently used by institutions participating in the survey in incorporating environmental information in an assessment of a potential client's creditworthiness. It outlines a generic set of best practice tools which may be used by lending institutions to minimize their exposure to a customer's environmental risk. It also identifies an opportunity for Environment Canada and lending institutions to promote pollution prevention approaches among their clientele.
Author : Anonim
Publisher : Unknown
Page : 908 pages
File Size : 41,6 Mb
Release : 1981
Category : Europe, Eastern
ISBN : UOM:39015004294073
Author : Anonim
Publisher : Unknown
Page : 974 pages
File Size : 51,7 Mb
Release : 1981
Category : Europe, Eastern
ISBN : STANFORD:36105119615420
Author : John Ogilvie
Publisher : Elsevier
Page : 296 pages
File Size : 54,9 Mb
Release : 2009-07-18
Category : Business & Economics
ISBN : 9781856177894
HELPING YOU PREPARE WITH CONFIDENCE, AVOID PITFALLS AND PASS FIRST TIME CIMA's Exam Practice Kits contain a wealth of practice exam questions and answers, focusing purely on applying what has been learned to pass the exam. Fully updated to meet the demands of the new 2010 syllabus, the range of questions covers every aspect of the course to prepare you for any exam scenario. Each solution provides an in-depth analysis of the correct answer to give a full understanding of the assessments and valuable insight on how to score top marks. - The only exam practice kits to be officially endorsed by CIMA - Written by leading CIMA examiners, markers and tutors - a source you can trust - Maps to CIMA's Learning Systems and CIMA's Learning Outcomes to enable you to study efficiently - Exam level questions with type and weightings matching the format of the exam - Fully worked model answers to facilitate learning and compare against your own practice answers - Includes summaries of key theory to strengthen understanding
Author : Nora Beausang
Publisher : Bloomsbury Publishing
Page : 2649 pages
File Size : 55,7 Mb
Release : 2021-12-16
Category : Law
ISBN : 9781526515889
With 2000+ pages of guidance, this important new textbook provides an extensive and in-depth guide to the current labyrinthine regulatory regime relating to consumer and SME credit (by way of cash loans) and protection generally, including the Consumer Protection Code, the Consumer Credit Act (housing loans and non-housing loans), the EU Consumer Credit Regulations, the EU Mortgage Credit Regulations and the Central Bank Housing Loan Regulations. Other lending-related conduct of business requirements are also covered in detail, including the Code of Conduct on Mortgage Arrears, the Lending to SME Regulations, the Code on Related Parties Lending and the Credit Reporting Act, together with applicable EBA/ECB Guidelines dealing with loan origination, product oversight and governance, non-performing exposures/loans and arrears. The regulated activities triggering authorisation as a retail credit firm or credit servicing firm are also addressed in detail. The book additionally extends beyond lending to have application to the wider business of regulated firms in the financial services arena, dealing in detail with issues including the general principles and requirements of the Consumer Protection Code,the fitness and probity regime including the area of minimum competency, distance marketing requirements and other background to the regulatory regime in Ireland including the increased regulatory focus on the culture of regulated firms and product oversight and governance. The available redress/recourse mechanisms are also covered, including the Financial Services and Pensions Ombudsman, the Credit Review Office, the regulatory and other consequences of breach of applicable requirements and the significant risk management area for regulated firms of their customers' statutory right to redress on breach of financial services legislation. In addition, the book has relevance to professionals dealing with consumers in any contractual context including extensive treatment of how the concept of 'consumer' has developed under common law, the unfair commercial practices regime and the increasingly topical area of unfair contract terms legislation. Relevant case law of the Irish courts and other common law jurisdictions, together with an expanding corpus of decisions from the CJEU, are addressed in detail. This book's practical style is designed to assist bankers, other regulated firms, lawyers, compliance professionals and regulators in the application of a complex area. Rather than simply setting out the separate requirements, the book seeks to navigate the at times contradictory legislative and regulatory strands to give (in so far as is possible) a coherent sense of how they integrate. Much of the content is unique and cannot be found in any other publication. An essential addition to the library of every lender, practitioner and compliance and regulatory risk professional, particularly in the areas of consumer and SME credit.
Author : United States. Congress. Joint Economic Committee
Publisher : Unknown
Page : 900 pages
File Size : 47,6 Mb
Release : 1980
Category : Europe, Eastern
ISBN : WISC:89004860045
Author : Cătălin-Gabriel Stănescu,Asress Adimi Gikay
Publisher : Routledge
Page : 291 pages
File Size : 45,7 Mb
Release : 2020-12-28
Category : Business & Economics
ISBN : 9781000295191
This book addresses the questions of discrimination, vulnerable consumers, and financial inclusion in the light of the emerging legal, socioeconomic, and technological challenges. New technologies – such as artificial intelligence-driven consumer credit risk assessment and Fintech platforms, the changing nature of vulnerability due to the ongoing COVID-19 pandemic, as well as the sophistication of digital technologies, which help circumvent legal barriers and protections – necessitate the continuous study of the existing legal frameworks and measures that are capable of tackling these challenges. Organized in two major parts, the first addresses, from multiple national angles, the idea of a human rights approach to consumer law, in order to replace the mantra of economic efficiency that characterizes financial services with those of human dignity and freedom from discrimination and from debt-induced servitude. The second tackles the challenges posed by increased usage of technology in connection with financial services, which tends to solve, but also creates, additional issues for consumers in general, and for vulnerable groups in particular.
Author : Tanwar, Poonam,Saxena, Arti,Priya, C.
Publisher : IGI Global
Page : 240 pages
File Size : 54,8 Mb
Release : 2021-06-25
Category : Computers
ISBN : 9781799877301
To sustain and stay at the top of the market and give absolute comfort to the consumers, industries are using different strategies and technologies. Natural language processing (NLP) is a technology widely penetrating the market, irrespective of the industry and domains. It is extensively applied in businesses today, and it is the buzzword in every engineer’s life. NLP can be implemented in all those areas where artificial intelligence is applicable either by simplifying the communication process or by refining and analyzing information. Neural machine translation has improved the imitation of professional translations over the years. When applied in neural machine translation, NLP helps educate neural machine networks. This can be used by industries to translate low-impact content including emails, regulatory texts, etc. Such machine translation tools speed up communication with partners while enriching other business interactions. Deep Natural Language Processing and AI Applications for Industry 5.0 provides innovative research on the latest findings, ideas, and applications in fields of interest that fall under the scope of NLP including computational linguistics, deep NLP, web analysis, sentiments analysis for business, and industry perspective. This book covers a wide range of topics such as deep learning, deepfakes, text mining, blockchain technology, and more, making it a crucial text for anyone interested in NLP and artificial intelligence, including academicians, researchers, professionals, industry experts, business analysts, data scientists, data analysts, healthcare system designers, intelligent system designers, practitioners, and students.
Author : Christine Riefa,Severine Saintier
Publisher : Routledge
Page : 264 pages
File Size : 49,5 Mb
Release : 2020-10-27
Category : Law
ISBN : 9781000209709
This book charts the difficulties encountered by vulnerable consumers in their access to justice, through the contributions of prominent authors (academic, practitioners and consultants) in the field of consumer law and access to justice. It demonstrates that despite the development of ADR, access to justice is still severely lacking for the vulnerable consumer. The book highlights that a broad understanding of access to justice, which encompasses good regulation and its public enforcement, is an essential ingredient alongside access to the mechanisms of traditional private justice (courts and ADR) to protect the vulnerable consumer. Indeed, many of the difficulties are linked to normative obstacles and lack of access to justice is primarily a vulnerability in itself that can exacerbate existing ones. In addition, because it may contribute to ‘pushing’ already vulnerable consumers into social exclusion it is not simply about economic justice but also about social justice. The book shows that lack of access to justice is not irreversible nor is it necessarily linked to consumer apathy. New technologies could provide solutions. The book concludes with a plea for developing ‘inclusive’ justice systems with more emphasis on public enforcement alongside effective courts systems to offer the vulnerable with adequate means to defend themselves. This book will be suitable for both students and practitioners, and all those with an interest in the justice system.
Author : Anonim
Publisher : Unknown
Page : 654 pages
File Size : 47,5 Mb
Release : 2013-05
Category : Delegated legislation
ISBN : UCR:31210024750729
Author : John Ogilvie
Publisher : Elsevier
Page : 685 pages
File Size : 51,7 Mb
Release : 2009-07-18
Category : Business & Economics
ISBN : 9781856177139
This new edition of 'Financial Strategy' includes practice questions throughout, a complete revision section, topic summaries and a CBA-style mock exam.