The Socially Optimal Level of Capital Requirements
... • Discussions about the pros and cons of this reform can be exemplified by two polar views: 1. Academics such as Admati et al. (2011) argue that: — Claims about the large costs of rising the capital requirements are unwarranted — Rising the requirements would not destroy much total value at an indi ...
... • Discussions about the pros and cons of this reform can be exemplified by two polar views: 1. Academics such as Admati et al. (2011) argue that: — Claims about the large costs of rising the capital requirements are unwarranted — Rising the requirements would not destroy much total value at an indi ...
Five Ways to Ramp Up Fee Income
... Plan 1: Wealth Management with Janiczek and Company’s new Ambassador Program Typically, wealth management is handled, if at all, by a subsidiary of the bank holding company. For example, CoBiz Financial, Inc., of Denver offers high end estate planning, wealth transfer and wealth management under its ...
... Plan 1: Wealth Management with Janiczek and Company’s new Ambassador Program Typically, wealth management is handled, if at all, by a subsidiary of the bank holding company. For example, CoBiz Financial, Inc., of Denver offers high end estate planning, wealth transfer and wealth management under its ...
Banks benefit from a high debt to equity ratio - the
... The argumentation above is true for all private companies. However, looking at banks, the unique structure of their debt must be considered in more detail. The features of a bank's debt is fundamentally different from other companies' debt. Banks' debt consists mostly of bank deposits. As the govern ...
... The argumentation above is true for all private companies. However, looking at banks, the unique structure of their debt must be considered in more detail. The features of a bank's debt is fundamentally different from other companies' debt. Banks' debt consists mostly of bank deposits. As the govern ...
An analysis of the relationship between international bond markets
... methodology. Each VAR that we estimate contains both domestic and foreign conditioning variables, which means that we can separate that portion of the variance of the slope of the yield curve that is influenced by domestic factors from that portion that is driven by international factors. By invokin ...
... methodology. Each VAR that we estimate contains both domestic and foreign conditioning variables, which means that we can separate that portion of the variance of the slope of the yield curve that is influenced by domestic factors from that portion that is driven by international factors. By invokin ...
vtg ag quarterly statement q1/2016
... Based on current economic expectations and the resulting estimates regarding the performance of the individual operational divisions, the Executive Board of the VTG Group anticipates a generally positive trend in business in 2016. The last financial year was shaped significantly by the integration o ...
... Based on current economic expectations and the resulting estimates regarding the performance of the individual operational divisions, the Executive Board of the VTG Group anticipates a generally positive trend in business in 2016. The last financial year was shaped significantly by the integration o ...
invest in syndicate mortgages
... attractive option. All markets (for example: stocks, bonds, commodities) have cycles and periods of upturns and invest in real estate prefer the security that comes with the direct charge against the property. ...
... attractive option. All markets (for example: stocks, bonds, commodities) have cycles and periods of upturns and invest in real estate prefer the security that comes with the direct charge against the property. ...
The Great Recession: Lessons from Microeconomic Data
... 2002 to 2005, and compare these zip codes to others in the same county with positive income growth. From 2002 to 2005, the negative income growth zip codes witnessed a growth in mortgage originations that was almost twice as large as in the positive income growth zip codes! More broadly, we show tha ...
... 2002 to 2005, and compare these zip codes to others in the same county with positive income growth. From 2002 to 2005, the negative income growth zip codes witnessed a growth in mortgage originations that was almost twice as large as in the positive income growth zip codes! More broadly, we show tha ...
Asset Bubbles and Moral Hazard: Evidence from Japan
... individual Japanese households. Households could open cash-management accounts at ...
... individual Japanese households. Households could open cash-management accounts at ...
Financial Maths Solutions
... A used car is purchased on terms. 10% deposit is payable with the balance plus interest to be repaid over 4 years in equal monthly instalments. Interest is charged at a flat rate of 9% p.a. For a car with a marked price of ...
... A used car is purchased on terms. 10% deposit is payable with the balance plus interest to be repaid over 4 years in equal monthly instalments. Interest is charged at a flat rate of 9% p.a. For a car with a marked price of ...
European Financial Transaction Tax
... says: ‘The proposals would have an enormous impact on repo markets, where overnight rolling costs would amount to no less than 22% annually. In all probability, all repos would have to be re-documented as some form of loan transaction, which is not straightforward as it creates a host of other probl ...
... says: ‘The proposals would have an enormous impact on repo markets, where overnight rolling costs would amount to no less than 22% annually. In all probability, all repos would have to be re-documented as some form of loan transaction, which is not straightforward as it creates a host of other probl ...
The Intersection of Finance and Insurance - mynl.com
... stock. The average exercise prices were $51.70 and $65.40 on the put options and call options, respectively, subject to adjustments on the call options under certain limited circumstances. The options expire in the first half of 2002 and are only exercisable on their expiration dates. The Company ha ...
... stock. The average exercise prices were $51.70 and $65.40 on the put options and call options, respectively, subject to adjustments on the call options under certain limited circumstances. The options expire in the first half of 2002 and are only exercisable on their expiration dates. The Company ha ...
Why the ECB Should Buy US Treasuries
... the virtue of being more readily understood by the man in the street. But one need not give up those advantages. One could announce a threshold or target for nominal GDP at the one- or two-year horizon, and also announce estimates as to likely corresponding paths for inflation or unemployment. The a ...
... the virtue of being more readily understood by the man in the street. But one need not give up those advantages. One could announce a threshold or target for nominal GDP at the one- or two-year horizon, and also announce estimates as to likely corresponding paths for inflation or unemployment. The a ...
- UMD Econ
... motives for precautionary behavior on the part of spenders and lenders, who had reason to weigh the expected performance in bad states, when repayment was likely to become problematic. Agents did, in fact, make clear distinctions between peso and dollar assets, and voters and politicians showed much ...
... motives for precautionary behavior on the part of spenders and lenders, who had reason to weigh the expected performance in bad states, when repayment was likely to become problematic. Agents did, in fact, make clear distinctions between peso and dollar assets, and voters and politicians showed much ...
Case for Gold Part 2
... rates, manipulated long term interest rates, unprecedented liquidity in the banking system, which seems unlikely to be withdrawn on a timely basis (thereby risking high inflation), and manipulated currency exchange rates remain unknown and unarticulated. The narrative for gold is highly likely to un ...
... rates, manipulated long term interest rates, unprecedented liquidity in the banking system, which seems unlikely to be withdrawn on a timely basis (thereby risking high inflation), and manipulated currency exchange rates remain unknown and unarticulated. The narrative for gold is highly likely to un ...
Guide to Cert May 033.2 (Page 1)
... The youngest of the three segments, Troubleds need help saving and setting financial goals. Despite their anxiety and lack of confidence, this group is more likely to act as their own adviser. Troubleds have the lowest income and net worth, but invest at the same rate as the other groups. Troubleds ...
... The youngest of the three segments, Troubleds need help saving and setting financial goals. Despite their anxiety and lack of confidence, this group is more likely to act as their own adviser. Troubleds have the lowest income and net worth, but invest at the same rate as the other groups. Troubleds ...
Unit10Macro
... If the dollar appreciates, it becomes more expensive for South Africa to purchase dollars. So if South Africa buys a U.S. car, it will have to pay more for the car (ceteris paribus). U.S. products become more expensive for South Africa. U.S. exports to South Africa become more expensive if the dolla ...
... If the dollar appreciates, it becomes more expensive for South Africa to purchase dollars. So if South Africa buys a U.S. car, it will have to pay more for the car (ceteris paribus). U.S. products become more expensive for South Africa. U.S. exports to South Africa become more expensive if the dolla ...
Financialization
Financialization is a term sometimes used in discussions of the financial capitalism that has developed over the decades between 1980 and 2010, in which financial leverage tended to override capital (equity), and financial markets tended to dominate over the traditional industrial economy and agricultural economics.Financialization describes an economic system or process that attempts to reduce all value that is exchanged (whether tangible or intangible, future or present promises, etc.) into a financial instrument. The intent of financialization is to be able to reduce any work product or service to an exchangeable financial instrument, like currency, and thus make it easier for people to trade these financial instruments.Workers, through a financial instrument such as a mortgage, may trade their promise of future work or wages for a home. The financialization of risk sharing is what makes possible all insurance. The financialization of a government's promises (e.g., US government bonds) is what makes possible all government deficit spending. Financialization also makes economic rents possible.