... reduced-form equations of loan-growth ofthebank that issue the instrument, the performance ofthe loan portfolio of that bankandthe rating ofthe instrument issued by that bank: Loan growthi,j,t ... to capture the speed of adjustment ofthe instrument’s rating to thequalityofthe loan portfolio ofthebank that issue that security The vector ofbank conditions includes observed bank solvency ... surveys the main literature andthe empirical evidence on the role ofsecuritization in the crisis ThecaseofSpain is discussed in Section Section describes the main hypotheses, data and empirical...
... foreigners, the families, the blockholders, the institutional investors andthe State These mechanisms of control affect the financial reporting qualityofthe Tunisian companies On the one hand, the ... associated with the percentage of foreign directors and shareholders, the separation ofthe CEO and chairman positions andthe presence of outside directors It reflects the power ofthe foreigners ... control by the blockholders affects thequalityof financial reporting H 3: The control by the families affects thequalityof financial reporting H 4: The control by the State andthe financial...
... meteorological stations ofthe National Observatory of Athens (NOA) [8] andofthe Aristotle University of Thessaloniki (AUTh) [9] The results for the two decades are compared andthe existing differences ... trend in the eastern and south-eastern parts ofthe Mediterranean, indicating a less frequent expansion ofthe low pressure over the area and therefore a weakening ofthe Etesian winds and a subsequent ... values of HDD were reduced in the second decade, while the monthly and yearly values of CDD were increased The reduction in the yearly values of HDD was in the range of 9.5 to 22% in Athens, and...
... fulfillment ofthe requirements for the degree of doctor at Wageningen University by the authority ofthe Rector Magnificus Prof dr M.J Kropff in the presence ofthe Thesis Committee appointed by the ... Netherlands came from the budget ofthe REFINE project, which was funded by the Ministry of Foreign Affairs ofThe Netherlands The funding for the study on shrimp farming in the Can Gio area came ... Thi Them, and to be a sister of my brothers and sisters, Than, Huong, Thai, Hoa, Chau, Phu, Dinh, Dam, Tam and their husbands, wives and children I would like to thank to all of them for their...
... on whether the pregnancy history ofthe parents qualifies them to have a (new) child, and whether the child quota laid down in the yearly plan ofthe village or workplace is full or not The rules ... [2] Parallel to the hierarchical structure of civil servants, there is the party organization, andthe leaders ofthe party at each level share the decision making with leaders ofthe civil servant ... would be the most accurate translation, but it is not suggestive ofthe incentives and fines attached The purpose of this article is to describe and discuss the concept of illegal pregnancy and how...
... On the other hand, the cost ofthe bailout can be spread over the taxpayers, a less organised and larger group in society, with diversified interests and preferences Therefore, the threat of bankruptcy ... valuation ofthe SOEs is the most important and difficult work in the equitization implementation process Since the interest ofthe government and investors (many of them are employees ofthe enterprise ... According to the Enterprise Law, the board of directors appoints the manager of equitized firms who, on behalf ofthe Board of directors, is responsible for the management ofthe firm Therefore, the ownership...
... (G) be the set of edges consisting of representatives ofthe Θ-classes of G Then we define the derivation of a median graph G as the graph ∂G= Ue , e∈F (G) that is, as the disjoint union ofthe graphs ... transitivity of Θ implies that the graph ∂ G is well-defined.) For instance, ∂ (Pn 2Pm ) is the disjoint union of n − copies ofthe path Pm and m − copies ofthe path Pn The reason for calling the graph ... expansion property Then, f (G, x) = f (Q0 , x) c(G, x) If, in addition, f has the product property, then either f ≡ or f ≡ c Proof Let f has the expansion property The proof ofthe first assertion...
... 10% ofthe genes ofthe dataset See Materials and methods for details ofthe measurement of GC content andthe rate of crossing over, in centimorgans per megabase (cM/MB) The results are the ... showing the effect of recombination on the effectiveness of selection for codon usage under inbreeding The figure shows the relationship between the recombination parameter 4Ner andthe frequency of ... 50% and 99% for several values ofthe population recombination rate 4Ner (where Ne is effective population size and r is the per base rate of recombination) and two values ofthe strength of selection...
... PRNAU , and LTOT , as defined earlier; GRW = sum ofthe market value of equity and book value of debt scaled by book value of assets at the end ofthe quarter; VOL = standard deviation of daily ... at the end ofthe quarter MV is the natural log of market capitalization at the end ofthe quarter LOSS equals if the current quarter’s earnings is negative, and otherwise RESTR equals if the ... Total audit fees is the sum of audit fees and audit-related fees Total non-audit fees is the sum of IS fees, tax fees, and other fees Total fees is the sum of total audit fees and total non-audit...
... orientation of becoming a multi-functional urban bankandthe best bank, Techcombank has tried to explore the payment card as the key for development However, because ofthe strict competition ofthe ... will often be looking for any tangible cue to help them understand the nature ofthe service experience For example, in hotel industry, the design and décor of hotel as well as the appearance and ... competition Bank s wish for increasing profit: Banks have to increase their profits to create new markets, to protect and develop their market shares and to survive on the basis of intense competition and...
... up thequalityof their services and how to transfer them to customers to satisfy their needs The Gap 2: this is the gap between the perceptions ofthe business about customer expectation andthe ... (but not within the scope of insurance) 3.1.1.7 Evaluating qualityof communication and advertising The results ofthe discussions showed that thequalityofthe communication and advertising ... possibility of risk Group of risk financing measures include risk accepting and insurance These are the measures used before the risks with the aim of overcoming the consequences ofthe loss caused by the...
... by Lin Biao and Gang of Four cliques responsible for the CR As such, with the death of Mao and Lin, andthe arrest ofthe Gang of Four, the issue ofthe CR can be considered resolved There are ... both ofthe Cultural Revolution andof Party history Importantly, the passing ofthe resolution coincided with the resignation of Hua Guofeng from posts of Chairman ofthe Central Committee ofthe ... at heart ofthe debate is the manner in which the CR is remembered andthe implications thereof.1 In other words, the debate is about the collective memory ofthe Cultural Revolution The debate...
... result in terms of land values (the sum ofthe value of owned and occupied parcels) though not as the same level of magnitude as the value of non-land assets The value of land held by the top quartile ... Uganda to assess the impact of a disaggregated set of rights on investment, productivity, and land values and to test the hypothesis that individuals’ lack of knowledge ofthe new law reduces their ... certificates While the land fund andthe associated promise of compensation to mailo landlords was partly needed to secure the consent of Baganda landlords to the Land Act, it also aimed to honor the President’s...
... discusses the scope ofthe study, the method ofthe study and provides the design ofthe study I Rationale ofthe study Since the open-door policy adapted to Vietnam, the need for integrating into the ... presents the rationales, the objectives, the method andthe design ofthe study It expresses the reason why the author decided to choose this study andthe methods for the fulfillment ofthe study ... Description ofthe freshmen at Faculty of English, HOU Like the first-year students of other colleges and universities, in order to be the students of Faculty of English (HOU), the freshmen at Faculty of...
... models, thelending culture ofthe bank, the seniority and experience of loan officers, the banks’ hierarchy of decision-making, and so on They thus include price and non-price terms and conditions ... tightening their credit standards as reported in the survey (top left box in Figure 1) Banklending or credit standards are the criteria by which banks determine the risk of loan applicants and rank them ... and terms ofthe loans, such as thebank margins, the size, the maturity andthe collateral requirements ofthe loans The panel regression analysis shows a significant predictive content of the...
... 2006, the VPBank Training Center completed its study ofthe training demands ofthe whole body of employees in the VPBank System, building a basis for the formation of plan andthe conducting of ... According to theory of Kumar 1999, the choice of particular method depends upon the purpose ofthe study, the resources available to the researcher, the skills ofthe researcher andthe socio-economic- ... account for 87 percentage Thequalityof our personnel is one ofthe primary factors contributing to the strength ofthe Bank, and help VPBank ready to face the challenges of competition, particularly...
... cluster A and B average For equation (1), the log ofthe number of cumulative loans is the variable of interest For equation (2), the log ofthe number of cumulative conditions is the variable of interest ... International Bank for Reconstruction and Development/World Bankand its affiliated organizations, or those ofthe Executive Directors ofthe World Bank or the governments they represent Produced by the ... variable and variables of interest In this study we analyze the association of World Banklending with thequalityof economic policy In contrast with most ofthe existing literature on policy lending, ...
... of banks These ratings ofthe financial condition ofthe banks consider the capital adequacy, asset quality, management quality, earnings potential, and liquidity ofthe institution (CAMEL) The ... the core ofthe "lending view," we focus the empirical analysis on the change in bank loans.9 Because ofthe limited length ofthe time series for constrained banks (23 quarters), the power of ... action, and that the response BANKLENDINGAND TRANSMISSION OF MONETARY POLICY 61 occurs discretely at the time ofthebank examination that results in the enforcement action Furthermore, the imposition...