Credit and credit institutions Books
Edward Elgar Publishing Ltd Financial Liberalization and Intervention: A New
Book SynopsisThis book seeks to provide a coherent explanation as to why the policies of financial liberalization and financial intervention have been unable to achieve the goal of improving the access of borrowers to the loan market, irrespective of size. This is one of the prime criteria for achieving efficiency in the operation of the loan market and its failure has resulted in increased uncertainty and financial fragility.Santonu Basu develops an original theory of credit rationing which provides a theoretical explanation as to why neither policy has worked. He introduces two new concepts, namely credit standard and credit risk, in order to explain why bankers ration credit to some, while quite willingly offer loans to others. He then uses these two concepts to show why the implementation of either policy involves forcing or inducing the banking sector to relax its credit standard requirements. This in turn increases credit risk to an unprecedented level, thereby engendering either financial crisis or financial fragility. The author employs empirical evidence from both India and South Korea to demonstrate how these scenarios can unfold.Financial Liberalization and Intervention provides a comprehensive analysis of the uncertainty that prevails in the operation of the loan market. It will be welcomed by scholars and students of economics, policymakers, banking regulators and the financial sector as a whole.Trade Review'This delightful little book is highly recommended reading, since it presents a unique perspective and offers the reader up-to-date and in-depth insights into key issues of credit market uncertainty.' -- Sushanta K. Mallick, International Review of Applied Economics'This is a very interesting and informative book, and highly relevant for both developed and developing countries. The author synthesises a large amount of literature and makes an original contribution to the theory of credit rationing. This book is well argued, clearly written and deserves a close read.' -- Philip Arestis, The Levy Economics Institute of Bard College, USTable of ContentsContents: Preface 1. General Introduction 2. A Critical Review of the Literature on Credit Rationing 3. The Theory of Credit Rationing Revisited 4. Financial Liberalization 5. Intervention I: The South Korean Experience 6. Intervention II: The Indian Experience 7. Concluding Remarks References Index
£90.00
Edward Elgar Publishing Ltd The Foundations of Credit Risk Analysis
Book SynopsisThe explosive growth of the credit risk industry is symbolic not only of the rapid expansion of finance into new and global markets, but is also representative of a widespread shift. The securitization of risk and, in particular, its transfer through the resulting credit derivatives, has dramatically changed the ways in which both the world economy and the finance industry work. This authoritative collection of key papers provides an overview of the subject from its beginnings through to current scholarship in this area. While the experienced investigator will find this anthology a convenient collection of essential papers, the student new to the field will be quickly taken to the front lines of research. Consequently, this collection will be of interest to historians, researchers, and students.Trade Review'From both theoretical and practical perspectives, credit risk engenders many of the outstanding questions in finance; thus, the topic provides numerous opportunities for research and profit. Pricing and managing credit risk are broadly and deeply imbedded in the bedrock of present-day economics and finance. This collection, assembled by Willi Semmler and Lucas Bernard, provides both a comprehensive review of the state-of-the-art of this topic and an educational tool for the many practitioners and students in finance and financial engineering who are concerned with these problems.'BR>- Charles S. Tapiero, New York Polytechnic University, USTable of ContentsContents: Acknowledgements Introduction Willi Semmler and Lucas Bernard PART I FOUNDATIONS 1. Franco Modigliani and Merton H. Miller (1958), ‘The Cost of Capital, Corporation Finance and the Theory of Investment’ 2. Fischer Black and Myron Scholes (1973), ‘The Pricing of Options and Corporate Liabilities’ 3. Robert C. Merton (1974), ‘On the Pricing of Corporate Debt: The Risk Structure of Interest Rates’ 4. J.E. Stiglitz and A. Weiss (1992), ‘Asymmetric Information in Credit Markets and its Implications for Macro-Economics’ PART II MEASURING CREDIT RISK 5. Marius J.L. Jonkhart (1979), ‘On the Term Structure of Interest Rates and the Risk of Default: An Analytical Approach’ 6. John Hull and Alan White (1995), ‘The Impact of Default Risk on the Prices of Options and Other Derivative Securities’ 7. Dilip B. Madan and Haluk Unal (1998), ‘Pricing the Risks of Default’ 8. Michel Crouhy, Dan Galai and Robert Mark (2000), ‘A Comparative Analysis of Current Credit Risk Models’ 9. Kay Giesecke and Lisa R. Goldberg (2004), ‘Forecasting Default in the Face of Uncertainty’ PART III CREDIT DERIVATIVES AND MODELING 10. John C. Hull and Alan White (2000), ‘Valuing Credit Default Swaps I: No Counterparty Default Risk’ 11. John Hull and Alan White (2001), ‘Valuing Credit Default Swaps II: Modeling Default Correlations’ 12. Philipp J. Schönbucher (2001), ‘Factor Models: Portfolio Credit Risk When Defaults Are Correlated’ 13. Darrell Duffie (2005), ‘Credit Risk Modeling with Affine Processes’ 14. Keith Kuester, Stefan Mittnik and Marc S. Paolella (2006), ‘Value-at-Risk Prediction: A Comparison of Alternative Strategies’ PART IV CONTROL AND MANAGEMENT OF CREDIT RISK 15. Douglas J. Lucas (1995), ‘Default Correlation and Credit Analysis’ 16. Edward W. Frees and Emiliano A. Valdez (1998), ‘Understanding Relationships Using Copulas’ 17. Lars Grüne and Willi Semmler (2005), ‘Default Risk, Asset Pricing, and Debt Control’ 18. Francis A. Longstaff, Sanjay Mithal and Eric Neis (2005), ‘Corporate Yield Spreads: Default Risk or Liquidity? New Evidence from the Credit-Default Swap Market’ 19. Sanjiv R. Das, Darrell Duffie, Nikunj Kapadia and Leandro Saita (2007), ‘Common Failings: How Corporate Defaults are Correlated’ Name Index
£233.00
Edward Elgar Publishing Ltd Inequality, Consumer Credit and the Saving Puzzle
Book SynopsisProviding much needed context for current events like the sub-prime mortgage crisis, this timely book presents a vision of an economy evolved to greater dependence on consumer credit and analyzes the trade-offs and risks associated with it. While synthesizing the Keynesian theory of consumption with the Institutional theory of habit selection (brought up to date with new knowledge from evolutionary biology and neuroscience), this book represents an in-depth treatment of the macroeconomic dimensions of consumer credit and implications of recent financial innovations from a non-traditional economic approach.Some of the effects of consumer credit dependence include the potential for illiquidity in markets for debt-collateralized securities, sub-prime contagion, or the possibility of a Minsky-type debt deflation episode. The author also argues that a sharp increase in borrowing by US households over the past 20 years, aided by financial innovations such as the securitization of consumer loans and sub-prime lending, have lessened the harmful consequences of income inequality, and that the collapse of personal saving after 1993 is actually a gradual trend of consumer habits conforming to the imperatives of corporatism.The book's primary audience will be academic economists in sympathy with heterodox and pluralist approaches. It sets forth an institutional or 'top-down' theory of household spending behavior that should be of interest to readers in fields such as sociology, consumer or family studies, psychology, or anthropology. Much of the book is technically accessible for non-economists and students.Trade Review'. . . provides an excellent example of economic analysis using atypical analytical approaches. . . the book is very accessible, especially to readers with some grounding in economics. Mathematical models and empirical evidence are appropriately used and the writing is superb. Advanced undergraduates and graduate students should be able to follow the analysis and will benefit from seeing the alternative analytics at work. Of course economists of all stripes will find something useful in this book as will anyone with a strong interest in understanding the current economic crisis.' -- Richard V. Adkisson, The Social Science Journal'For those who do not mind a stimulating read, the book by Christopher Brown, Inequality, Consumer Credit and the Saving Puzzle, is recommended. . . the book is exciting, tracing the causes for the uncommonly low savings rate in American households. . . this book is written in nearly colloquial language and easily understood. It is divided into eight chapters, each of which addresses one theme group, respectively. The author evaluates in detail literary sources, and also examines alternative approaches, but always returns to his line of thought. Relationships that he perceives as important are exemplified through small models. In addition to that, he always attempts to support the central thesis with statistics. In particular, to read those statistics is very exciting. Conclusion: a book definitely worth reading.' -- Friedrich Thiessen, Bankhistorisches Archiv'Brown makes an important contribution to the field of consumer credit by presenting a broad view of the issues and problems associated with growing consumer credit habits, culture, and institutions. . . This book effectively uses a heterodox methodology, which will appeal to a wide audience of social scientists. Highly recommended.' -- R.H. Scott, ChoiceTable of ContentsContents: 1. Consumer Credit and Effective Demand 2. The Household Debt Surge and the Theory of Habit Selection 3. A Brief History of Innovation in the Consumer Credit Industry 4. The Saving Puzzle: A Closer Examination 5. Macroeconomic Aspects of Consumer Credit Dependence 6. Balance Sheet (Minsky) Effects: An Empirical Analysis 7. Consumerism, Inequality and Globalization 8. Final Remarks Index
£90.00
Edward Elgar Publishing Ltd Secured Transactions Reform and Access to Credit
Book SynopsisSecured transactions reform, also known as collateral or pledge law reform, is increasingly seen as an important building block for economic development. The commonly held view is that the availability and cost of credit, as well as the efficiency of the market for secured credit, are directly influenced by the laws affecting secured transactions and their implementation. However, there is still a lot of confusion about this relatively complex and technical area of the law and its role in promoting access to credit and economic growth. The chapters presented here provide, for the first time, a comprehensive and cutting-edge view of the subject - from both a legal and economic perspective. They start at the macro level of financial systems, moving towards the behaviours of lenders (commercial banks and micro-lenders), policy options for government and the mechanisms of collateral law reform. By approaching the subject from different angles and experiences, the work advocates an inclusive approach to the subject where all stakeholders' interests can be taken into account. It addresses the question of what role laws and institutions can play to encourage access to credit. This book will be of primary interest to those involved in economic development and the interaction between law and economics, either for practical reasons (for example, working on reform or providing advice on investment in transition economies) or for research purposes.Trade Review'The book is unique. . . It brings together articles on the economics and the law of property rights, and combines these with case studies, observations of what works and what does not, and a checklist of things to watch for. . . This is a very useful book that should appeal to reformers working in the field, whether they are governmental officials trying to modernize their economies, or economists and lawyers working in developmental agencies. . . There are few other books or publications that bring together the views of experts working in this important, albeit somewhat neglected, are of financial sector plumbing.' -- William P. Armstrong, Banking and Finance Law Review'. . . a well-presented collection of interesting papers within which one finds a rich resource of information and perspectives on secured transactions reform from parts of the world which are often overlooked in comparative commercial law scholarship.' -- Noel McGrath, Journal of Business Law'. . . with its insightful analysis, interesting empirical studies and knowledgeable team of contributors, the book will be illuminating and useful not just for those interested in development, but also anyone who has anything to do with granting credit and taking security.' -- Dora S. Neo, Singapore Journal of Legal Studies'This is an excellent, unique book. The material is very well written and presented in a carefully thought-out, coherent way. It tells us a legal story of our own, unique time. Any lawyer working in transition economies, whether or not directly on reform projects, would find it of great interest. Even economists should perhaps take a look at it!' -- Roger McCormick, Law and Financial Markets ReviewTable of ContentsContents: Foreword PART I: ACCESS TO CREDIT AND SECURED TRANSACTIONS IN A GLOBAL WORLD 1. Turning the Key to Credit: Credit Access and Credit Institutions Florencio Lopez-de-Silanes 2. Policy Choices for an Efficient and Inclusive Financial System Thorsten Beck PART II: SECURED TRANSACTIONS LAW TO SUPPORT ACCESS TO CREDIT: A CASE FOR REFORM 3. The Economics of Collateral and of Collateral Reform Heywood Fleisig 4. Firm-level Evidence on Collateral and Access to Finance Mehnaz S. Safavian 5. Legal Efficiency of Secured Transactions Reform: Bridging the Gap between Economic Analysis and Legal Reasoning Frederique Dahan and John Simpson PART III: TAKING SECURITY IN PRACTICE: MICROFINANCE AND MORTGAGE 6. The State of Nature and Lending in an Unreformed Environment: Experience from Early Transition Countries Thomas Engelhardt and Benjamin Regitz 7. Use of Security in Challenging Environments: The Microfinance Perspective Martin Holtmann 8. Mortgages in Transition Economies John Simpson and Frederique Dahan PART IV: STORIES OF REFORM: LESSONS LEARNED AND REMAINING CHALLENGES 9. The Slovak Secured Transactions Reform: Ingredients of a Successful Reform and Reflection on its Achievements Katarína Mathernová 10. The Romanian Electronic Archive of Security Interests in Personal Property Diana Lupulescu 11. Challenges in Implementing Secured Transactions Reform in Latin America Nuria de la Peña 12. Recent Reform in France: The Renaissance of a Civilian Collateral Regime? Marie-Elodie Ancel Index
£111.00
John Wiley & Sons Inc Bond Credit Analysis: Framework and Case Studies
Book SynopsisCredit analysis is an important factor in judging investment value. Fundamentally sound credit analysis can offer more insight into the value of an investment and lead to greater profits. This study presents a professional framework for understanding and managing a successful corporate or municipal bond analysis, while providing informative case studies from well-known private and government organizations.Table of ContentsContributing Authors. SECTION I: FRAMEWORK. Why Does Credit Analysis Work? (M. Fridson). Review of Financial Statements (F. Fabozzi, et al.). Credit Analysis for Corporate Bonds (J. Howe). The Analysis of High-Yield Corporate Bonds (J. Howe). Basics of Fundamental Equity Analysis for High-Yield Credit Analysts (F. Fabozzi, et al.). Critical Failings of EBITDA as a Cash Flow Measure (P. Stumpp). Challenges in the Credit Analysis of Emerging Market Corporate Bonds (C. Taylor). Debt Covenants: Applications in Emerging Markets (A. Vine and D. Sohnen). Municipal Bond Credit Analysis (S. Feldstein). The Measurement of Prepayments and Defaults in ABS Markets (A. Bhattacharya). Understanding MBS/ABS Loss Terminology (T. Zimmerman). A Credit Intensive Approach to Analyzing Whole Loan CMOs (E. Toy). Mortgage Credit Analysis (J. Brown and W. Wadden IV). Credit Considerations in Analyzing Asset-Backed Securities: A Rating Analyst's Perspective (A. Silver). Credit Considerations in the Analysis of Asset-Backed Securities: A Research Analyst's Perspective (K. Weaver and S. Whitten). Considerations in the Credit Analysis of Commercial Mortgage-Backed Securities (J. Price and J. Story). Credit-Driven Prepayment and Default Analysis (M. Ervolini, et al.). AAA CMBS: Prospective Analysis to Manage Perception-Diminished Liquidity (M. Ervolini and A. Fazlullah). SECTION II: CASE SUDIES. Bergen Brunswig Corporation (F. Fabozzi). Einstein/Noah Bagel Corporation (S. Tufo). Sun Healthcare Group, Inc. (S. Tufo). Windmere-Durable Holdings, Inc. (A. Alaimo). CII Technologies, Inc. (A. Alaimo and A. Roulac). DESA International, Inc. (A. Alaimo and A. Roulac). Bruno's Supermarket (S. Lewis). Tevecap (B. Stannforth). Dao Heng Bank (A. Aran). CanFibre of Riverside, Inc., Project (M. Pisecki). Nassau County, New York General Obligations (S. Feldstein). Erie Tobacco Asset Securitization Corporation (C. Hicks). Yellowstone Energy Limited Partnetship Project (S. Haberer). Port of Walla Walla Public Corporation (J. Colombo). Wisconsin Helath Facilities Authority Healthcare Revenue Bonds--RFDF Project, Series 1997 (M. Ross). JFK International Air Terminal LLC Project (D. Frasca). Bank of America 1997-1 Manufactured Housing Asset-Backed Security (J. Brown and W. Wadden IV). Conseco 2000-XX ABS (K. Weaver and J. Nimberg). Index for Chapters.
£60.00
Taylor & Francis Contemporary Issues in Financial Institutions and Markets Volume III
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Taylor & Francis Small Firm Ownership and Credit Constraints in India
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Taylor & Francis Ltd Digital Finance Big Data Startups and the Future of Financial Services
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Taylor & Francis Digital Finance Big Data Startups and the Future of Financial Services
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Taylor & Francis Consumer Financial Vulnerabilities in Malaysia
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Taylor & Francis Ltd Women At The Center
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Taylor & Francis Ltd Acquiring Card Payments
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Taylor & Francis Emerging Bond Markets Shedding Light on Trends and Patterns Routledge Studies in the Modern World Economy
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Taylor & Francis Credit Default Swap Markets in the Global Economy
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Taylor & Francis Dilemmas and Challenges in Islamic Finance
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Taylor & Francis Ltd Credit and Debt in EighteenthCentury England
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Taylor & Francis Ltd Regulation and the Credit Rating Agencies
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Taylor & Francis Microfinance and Financial Inclusion
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Taylor & Francis Consumer Financial Vulnerabilities in Malaysia
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Taylor & Francis Ltd Accounting and Debt Markets Four Pieces on the Role of Accounting Information in Debt Markets
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Taylor & Francis Ltd Accounting and Debt Markets
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Taylor & Francis Ltd Small Firm Ownership and Credit Constraints in India
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Taylor & Francis The Financial Markets of the Arab Gulf Power Politics and Money Routledge International Studies in Money and Banking
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Taylor & Francis Ltd Corporate Finance and Capital Structure A Theoretical Introduction
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Taylor & Francis Ltd Corporate Finance and Capital Structure A Theoretical Introduction
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Taylor & Francis Credit Rating Governance Global Credit Gatekeepers Routledge Studies in Corporate Governance
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Taylor & Francis The Lender of Last Resort
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Taylor & Francis Ltd Capital Saving and Credit in Peasant Societies
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Taylor & Francis Bank Performance A Theoretical and Empirical Framework for the Analysis of Profitability Competition and Efficiency 48 Routledge International Studies in Money and Banking
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Taylor & Francis Debt Risk and Liquidity in Futures Markets
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Taylor & Francis The Future of Payment Systems
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Taylor & Francis The Lender of Last Resort
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Taylor & Francis Bank Performance A Theoretical and Empirical Framework for the Analysis of Profitability Competition and Efficiency
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Taylor & Francis Living Standards and Social WellBeing
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Taylor & Francis Contemporary Issues in Financial Institutions and Markets
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Taylor & Francis How Monetary Policy Works
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Taylor & Francis Living Standards and Social WellBeing
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Taylor & Francis Microcredit and International Development
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Taylor & Francis Money Credit And The Economy Routledge Revivals
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Taylor & Francis Capital Flows Financial Markets and Banking Crises Routledge International Studies in Money and Banking
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Taylor & Francis Debtfare States and the Poverty Industry
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Taylor & Francis Debtfare States and the Poverty Industry
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Taylor & Francis Ltd Developing and Managing a Successful Payment
Book SynopsisThe credit card industry today is a multi-trillion dollar business that employs hundreds of thousands of people across the globe and impacts literally billions of people every day. Yet there is no comprehensive book or reference material available in the marketplace that provides fact-based perspectives on how to develop and manage a successful card business - despite the significant demand from all those involved in the industry. Developing and Managing a Successful Payment Cards Business offers information, analysis, observations, perspectives and advice on developing and managing a card business. There is comprehensive coverage of all areas including card business strategy, product development, customer acquisition and retention strategies, and product marketing techniques. The book also reviews underlying infrastructure components relating to operations and systems including risk management and transaction processing and suggests improvement techniques. There is detailed discussTrade Review'The payment cards business has grown enormously in the last two decades, and today must represent one of the largest and most profitable verticals in global financial services industry. And the growth potential has not likely been exhausted, because consumers continue to opt for cards, instead of cash and check, in virtually every part of the world, both emerging markets and developed economies alike. At the same time, however, the cards business has found itself increasingly wrapped in controversy, especially as merchants have taken issue with rising cost. For a large, growing, and controversial industry, Slawsky and Zafar's new book provides a blueprint that explains how the business actually works and as such should interest a wide range of readers, including financial services executives and managers, as well as investors, regulators, and policy-makers.' Kenneth Posner, Morgan Stanley, NY, U.S.A 'Delivers an excellent topology of the business of payments. The authors provide a comprehensive review of the history and the future of payments. Its practical approach to cards makes it a valuable resource for people in the cards business and for those beginning their careers in cards. The authors’ insight on what constitutes an effective marketing strategy provides an excellent framework for card issuers to develop and execute strategies that will deliver results. A must-read'. Joe DiVanna, Director, Maris Strategies Limited ’This book offers an excellent overview of the cards industry. It describes with clarity industry best practices in all key areas.’ Michael Lafferty, Chairman, Lafferty □Group ’If you want to understand the credit card business, read this book. If you are in the credit card business and want to improve your market share, sales and profitability and only have time to read one book, read this one. It is like a mini MBA in credit card management and covers all aspects of the card business - from marketing and customer management, opeTable of ContentsContents: Introduction to payment cards; How payment cards work; Organizational design; Marketing and strategy; Existing account marketing; Customer management; Operations management; Fraud prevention and control; Collections; Infrastructure and delivery channels; Profitability; Business process analysis; Future of payment cards; Alternative payment products; Securitization; Index.
£128.25
Taylor & Francis Ltd The Future of Consumer Credit Regulation Creative Approaches to Emerging Problems Markets and the Law
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Taylor & Francis Law Enforcement and the History of Financial Market Manipulation
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Taylor & Francis Law Enforcement and the History of Financial Market Manipulation
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Taylor & Francis The Financial Markets of the Arab Gulf Power Politics and Money Routledge International Studies in Money and Banking
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Taylor & Francis Ltd Acquiring Card Payments
Book SynopsisThis book delves into the essential concepts and technologies of acquiring systems. It fills the gap left by manuals and standards and provides practical knowledge and insight that allow engineers to navigate systems as well as the massive tomes containing standards and manuals. Dedicated to card acquiring exclusively, the book covers: Payment cards and protocols EMV contact chip and contactless transactions Disputes, arbitration, and compliance Data security standards in the payment card industry Validation algorithms Code tables Basic cryptography Pin block formats and algorithms When necessary the book discusses issuer-side features or standards insomuch as they are required for the sake of completeness. For example, protocols such as EMV 3-D Secure are not covered to the last exhaustiTable of Contents1. Overview of Card Payments Industry. 2. Card-Present Technology. 3. Card-Not-Present Environment. 4. Contact Chip Transactions. 5. Disputes, Arbitration, and Compliance. 6. Data Security Standards in Payment Card Industry. 7. Key Management with Hardware Security Modules (HSMs). 8. Other Payment Methods.
£42.99
