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互联网理财产品对地方法人金融机构存款冲击的分析——以周口市为例 被引量:1
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作者 邱洪涛 《时代金融》 2014年第10Z期252-253,共2页
2013年6月,一款名为"余额宝"的理财产品打乱商业银行揽储的步伐。至2014年初,大中小银行的定期存款利率普遍上浮,但仍不敌"宝宝"类理财产品:从总量增长态势看,2013年6月至2014年3月的10个月中,全国银行业金融机构... 2013年6月,一款名为"余额宝"的理财产品打乱商业银行揽储的步伐。至2014年初,大中小银行的定期存款利率普遍上浮,但仍不敌"宝宝"类理财产品:从总量增长态势看,2013年6月至2014年3月的10个月中,全国银行业金融机构的个人存款仅2014年1月份实现了增速同比提高,其他9个月都是增速同比下降;从存款结构看,16家上市银行中,光大、招行、交行、工行、中信、民生、宁波。 展开更多
关键词 金融机构存款 银行揽储 地方法人 个人存款 上市银行 法人金融机构 流动性需求 活期存款利率 信贷产
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On Financing Models of Real Estate Enterprise 被引量:2
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作者 Su Keqiang 《China's Foreign Trade》 2011年第6期56-58,共3页
Against the background that the central government is strengthening macro control and tightening credit scale of real estate businesses, financing capacity becomes the determinant for a real estate enterprise's devel... Against the background that the central government is strengthening macro control and tightening credit scale of real estate businesses, financing capacity becomes the determinant for a real estate enterprise's development. Domestic enterprises have many ways of financing, and this paper describes ten common models, simply analyses the advantages and disadvantages of each model, while explains and recommends three financing models with practical examples: individual entrusted loan, trust financing and assets securitization. 展开更多
关键词 real estate enterprise enterprise financing individual entrusted loan trustfinancing assets securitization equity financing
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Empirical Research on the Credit Demand and Credit Behavior of Small and Micro Enterprises 被引量:2
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作者 Dingxiang WANG Zhengmei ZHANG lingli LI 《Agricultural Science & Technology》 CAS 2014年第7期1243-1248,共6页
This article uses discriminant sampling method to select 1062 small and micro enterprises from 25 provinces in China. Researches were conducted on their credit demand and credit behavior, with the Probit model to carr... This article uses discriminant sampling method to select 1062 small and micro enterprises from 25 provinces in China. Researches were conducted on their credit demand and credit behavior, with the Probit model to carry out metrologic tests on influential factors of these enterprises' credit demand and credit behavior.The metrologic analysis shows: Literacy level of leader, asset size, annual revenue of the enterprises have significantly positive effects on the credit demand of these small and micro enterprises. Annual revenue has significantly negative influence on overall credit behavior and the occurrence of informal financial behavior, but significantly positive influence on the occurrence of formal financial behavior. Literacy level of staff and asset size of enterprises have significantly positive influence on the occurrence of the overall credit behavior of small and micro enterprises. 展开更多
关键词 Small and micro enterprise Credit demand Credit behavior Influential factors
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Acceleration Factors in the Improvement of Public Welfare Sangiran
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作者 Mugi Raharjo I Gusti Putu Diva Awatara Harmadi Wahyu Agung Setyo 《Chinese Business Review》 2013年第1期24-33,共10页
Efforts to preserve the cultural heritage are manifestation to represent the work of the ancestors of the past so that people can now take advantage of in accordance with destining. There are at least four major aspec... Efforts to preserve the cultural heritage are manifestation to represent the work of the ancestors of the past so that people can now take advantage of in accordance with destining. There are at least four major aspects of a cultural heritage can be appreciated to the public, as art, as an economic resource (for tourism and improve the welfare of the people in the region), as a source of information as knowledge and social fulfillment. This study aims to determine: (1) acceleration factors in the improvement of social welfare Sangiran; and (2) modernization of infrastructure and the role of maximum revenue acceleration in accelerating improvements in public welfare in the Sangiran with the integrated approach of the factors increasing human development, community empowerment, provision of credit banking and employment opportunities. This research is a survey of the Sangiran area using data collection methods of documentation, interviews, and questionnaires. The population in this study is people in the Sangiran region, Central Java. This study uses cluster sampling with sampling. Cluster sampling is a probability sampling extracted by certain groups with similar characteristics. In this study, samples were grouped according to the residence of respondents. The sample used in this study was 500 respondents. The analysis technique used is structural equation modeling (SEM). The results of this study show that: (1) the factors of human development, community empowerment, access to bank credit and employment opportunities to accelerate the improvement of social welfare in the Sangiran area; and (2) the acceleration of the increase in welfare Sangiran region can be achieved by an integrated approach of the factors increasing human development, community empowerment, bank lending and increase employment opportunities through increased infrastructure modernization and maximum income. 展开更多
关键词 human development community empowerment bank credit employment opportunities INFRASTRUCTURE INCOME WELFARE
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The Credit Cycle and the Business Cycle in the Economy of Turkey
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作者 Sehnaz Baklr Yigitbas 《Chinese Business Review》 2016年第3期123-131,共9页
This study examines econometric relationships between bank lending and the business cycle in Turkey. Firstly, the cyclical components of the real GDP and real bank loans were determined using time series. A cointegrat... This study examines econometric relationships between bank lending and the business cycle in Turkey. Firstly, the cyclical components of the real GDP and real bank loans were determined using time series. A cointegration analysis and a vector error-correction model with quarterly data were used for period of 1987:01-2013:03. The results of cointegration analysis indicate that there is a single stable long-run equilibrium relationship between real bank loans and macroeconomic variables. The response of bank loans to GDP shocks is positive. Bank loans have pro-cyclical character in Turkey. 展开更多
关键词 business cycle credit cycle Turkish economy
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Application of Credit Scoring Models in the Analysis of Insolvency of a Brazilian Microcredit Institutio
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作者 Charles Ulises De Montreuil Carmona Elaine Aparecida Arafijo 《Journal of Modern Accounting and Auditing》 2011年第8期799-812,共14页
Credit scoring models are quantitative models used commonly by financial institutions in the measurement and forecasting of credit risk, having a consolidated use in the process of credit concession of these instituti... Credit scoring models are quantitative models used commonly by financial institutions in the measurement and forecasting of credit risk, having a consolidated use in the process of credit concession of these institutions. The purpose of this paper was to evaluate the possibility of application of credit scoring models in a microcredit institution named Fundo Rotativo de A~~o da Cidadania--Cred Cidadania (Revolving Fund of Citizenship Action--Cred Cidadania), located in Recife (Brazil). In order to do this, data related to a sample of clients of the Cred Cidadania was collected, and this data was used to develop two types of credit scoring models: one is credit approval, another is called behavioral scoring. The statistical technique applied in the construction of the models was logistic regression. The results of the study demonstrated that the credit scoring models obtain satisfactory performance when used in the analysis of credit risk in the Cred Cidadania microcredit institution, reaching a correct client classification percentile of about 80%. The results also indicate that the use of credit scoring models supplies subsidies to the institution, aiding it in the prevention and reduction of insolvency and in the decrease of its operational costs, two problems that affect their financial sustainability. 展开更多
关键词 credit risk MICROCREDIT credit scoring
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The Empirical Estimation of the Influence of Credit Risk Determinants in Baltic States' Banking Sector
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作者 Igor Novikov 《Journal of Modern Accounting and Auditing》 2012年第1期113-127,共15页
There have been investigated empirically the influence of macroeconomic and real estate market variables on the level of non-performing loans in the Baltic States. A secondary goal was to analyze the effect of constan... There have been investigated empirically the influence of macroeconomic and real estate market variables on the level of non-performing loans in the Baltic States. A secondary goal was to analyze the effect of constant loan portfolio growth on the level of non-performing loans in mentioned countries and to define the type of influence of the variables (i.e., long-term or short-term). The research indicates that all variables except the growth rate of the real estate market (RRE) have long-term influence on the level of non-performing loans. RRE has short-term influence and variables influence is associated with the development of another variables. The influence of RRE played an important role, but it was not as crucial as it has been previously assumed. If a respective credit risk management is applied, the influence of RRE is to be eliminated. The research results indicate that the most significant reason for the growth of non-performing loans for the Baltic States presented by rapid growth of aggregated loan portfolio and unemployment rate. The increasing influence of rapid loan portfolio growth proves the assumption that banks' credit risk management policies underestimated the changes in the macroeconomic variables during the analyzed period. The changes in the real GDP had initial influence on the economic situation deterioration for Baltic States. 展开更多
关键词 non-performing loans banking system credit risk determinants
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做种植户的“师傅”和“钱袋子”
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作者 潘亚京 《中国农村金融》 2015年第21期64-65,共2页
慈溪农商行通过构建特色服务培训机制、创新金融产品、编织便捷服务网络,为家庭农场铺平了致富道路作为浙江家庭农场的发源地、全国家庭农场五大范本之一,慈溪可谓名声在外。目前,慈溪市经工商注册登记的家庭农场已逾千家,其中绝大多数... 慈溪农商行通过构建特色服务培训机制、创新金融产品、编织便捷服务网络,为家庭农场铺平了致富道路作为浙江家庭农场的发源地、全国家庭农场五大范本之一,慈溪可谓名声在外。目前,慈溪市经工商注册登记的家庭农场已逾千家,其中绝大多数家庭农场为种植户,以蔬果种植为主。在现代农业和特色种植业兴起的今天,提升技术水平成为慈溪家庭农场的生存之道。浙江慈溪农商行深耕农村市场,通过构建特色服务培训机制,做到将"师傅"领进门,提升种植户的生产技能。同时,创新金融产品、编织便捷服务网络,拓宽家庭农场的融资渠道。 展开更多
关键词 家庭农场 农商行 特色种植业 服务培训 致富道路 技术水平 工商注册登记 名声在外 农村市场 信贷产
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追梦 筑梦 圆梦
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作者 何荣清 《中国农村金融》 2014年第20期78-79,共2页
赣州农商银行以现代金融的思维,紧跟农民工追梦的脚步,用不断提升的金融服务为农民工筑梦、圆梦农民工是城市化进程中一个特殊的群体,他们告别了土地以及"脸朝黄土背朝天"的生活,或在家门口的企业务工,或背井离乡地为现代化... 赣州农商银行以现代金融的思维,紧跟农民工追梦的脚步,用不断提升的金融服务为农民工筑梦、圆梦农民工是城市化进程中一个特殊的群体,他们告别了土地以及"脸朝黄土背朝天"的生活,或在家门口的企业务工,或背井离乡地为现代化城市作贡献。但无论身处何方,他们努力改善自身生活状况的梦想不变,追求"富裕梦"的信念不变。位于江西省赣州市的赣州农商银行情系农民工,以现代金融的思维,紧跟农民工追梦的脚步,用不断提升的金融服务为农民工筑梦、圆梦。精耕小额农贷品牌,让离土不离乡的农民工在家门口"圆梦"2008年2月。 展开更多
关键词 农商银行 婺源 江西省赣州市 创业贷款 离土不离乡 评级授信 生活状况 蟠龙镇 农户脱贫致富 信贷产
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