Download or read book Debt Financing Problems of State and Local Government written by United States. Congress. House. Committee on Banking, Currency, and Housing. Subcommittee on Economic Stabilization and published by . This book was released on 1975 with total page 1040 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Problems of Small business Financing written by United States. Congress. House. Select Committee on Small Business and published by . This book was released on 1957 with total page 628 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Direct Student Loans written by United States. General Accounting Office and published by . This book was released on 1998 with total page 44 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Predatory Mortgage Lending written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 2002 with total page 502 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Mortgage Interest Rate Problem written by United States. Congress. Senate. Committee on Banking and Currency and published by . This book was released on 1953 with total page 98 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Problem Loans and Creditor Options in state written by and published by . This book was released on 1984 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book China s Non performing Loan Problem written by Mariko Watanabe and published by . This book was released on 2000 with total page 64 pages. Available in PDF, EPUB and Kindle. Book excerpt: SCOTT: From the John Holmes Library collection.

Download or read book Proposed solutions to international debt problems written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 1983 with total page 117 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Financial Problem Confronting Banks Because of Loans Made Upon Distilled Spirits written by United States. Congress. House. Committee on Ways and Means and published by . This book was released on 1917 with total page 26 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Problem Loans in state written by and published by . This book was released on 1985 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Debt Financing Problems of State and Local Government written by United States. Congress. House. Committee on Banking, Currency and Housing. Subcommittee on Economic Stabilization and published by . This book was released on 1975 with total page 2738 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Payday Lending written by Jocelyn Everett and published by . This book was released on 2016 with total page 75 pages. Available in PDF, EPUB and Kindle. Book excerpt: Payday lending has been a topic of great debate in the US and other developed countries. While some argue that lenders prey on low income and minority populations and trap them in a cycle of debt, others maintain that payday loans fulfill an otherwise unmet need for those in unexpected financial distress. Furthermore, although a consensus has not yet been reached concerning why, there exists a population of payday loan borrowers who continue to roll over short-term loans in an effort to solve their long-term financial problems. This is of particular concern to the field of social work because as this population becomes increasingly impoverished, they will be at greater risk for ill-health, loss of housing, and loss of employment. Further, as social workers, we have a responsibility to recognize social injustices when they arise and to pursue changes to rectify them. This thesis applies methods of social problem analysis and value-critical analysis to examine the problem of economic dependence as it intersects with payday lending practices and to analyze the policies and programs of three states with differing underlying theoretical assumptions about human behavior and the role of state regulation: Montana, Florida, and Wisconsin. Definitions, relevant human behavior theories, a review of the literature, and a historical overview of policy governing payday lending are presented as part of the initial social problem analysis. Value-critical analysis continues as the author describes policy or program elements, then critically evaluates all of the parts, individually and as a whole, to identify any shortcomings, inconsistencies in logic, or ambiguities in everyday policy or program operations (Chambers & Bonk, 2013). The thesis concludes with a summary of conclusions from the analysis and discussion of implications for future policies targeting payday lending. The policy analysis supports the following conclusions. The regulation analyzed in Montana lacks a coherent program design and is unlikely to meet its goal of protecting citizens from short-term, high-rate loans due its inconsistency in regulations of payday loans as compared to other high-rate loans available in the state. Florida's regulation describes an intent to decrease residents' reliance on payday loans, but instead provided avenues for the payday lending industry to flourish throughout the state and resulted in a steady increase in the number of unique payday loan borrowers and the number of loans taken per borrower year over year. The regulation in Florida also generates a significant amount of money for the state each year, which indicates an additional incentive to allow the industry's continued growth. Due to Wisconsin's lack of regulatory legislation, the solutions analyzed are two community-driven programs that were found to be strategically planned, with clear goals and measureable objectives. The Wisconsin programs are well designed, but may require more diversified funding in order to be sustainable. Future comparative analysis of regulatory and community-driven solutions is needed. Implications for future policy include expanding the scope from payday lending to the larger fringe-banking industry, providing a mechanism for lower-income families to build savings while paying off debt, and evaluating revenue-generating tools and measureable objectives for effectiveness in achieving overarching goals.

Download or read book Problem Loans and Cost Efficiency in Commercial Banks written by Allen N. Berger and published by . This book was released on 1995 with total page 54 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Problem Loans in the Caribbean Determinants Impact and Strategies for Resolution written by Ms.Kimberly Beaton and published by International Monetary Fund. This book was released on 2017-11-07 with total page 54 pages. Available in PDF, EPUB and Kindle. Book excerpt: The high level of nonperforming loans (NPLs) in the Caribbean has been, in large part, a legacy of the global financial crisis, but their persistence owes much to the weak economic recovery in the region, as well as to structural obstacles to their resolution. A comprehensive strategy is needed to address these impediments to sever the adverse feedback loops between weak economic activity and weak asset quality. This paper finds that NPLs are a drag on Caribbean growth and macro-financial links are strong: a deterioration in asset quality hinders bank lending and dampens economic activity, undermining, in turn, efforts to resolve problem loans. A multifaceted approach is needed, involving a combination of macro- economic policies to support growth and employment; strong supervisory frameworks to ensure macro-financial stability and create incentives for resolution; efforts to address informational gaps and deficiencies in insolvency and debt-enforcement frameworks; and development of markets for distressed loans. The institutional capacity constraints require coordination of reforms within the region and support from international organizations through capacity-building.

Download or read book A Strategy for Resolving Europe s Problem Loans written by Mr.Shekhar Aiyar and published by International Monetary Fund. This book was released on 2015-09-24 with total page 79 pages. Available in PDF, EPUB and Kindle. Book excerpt: Europe’s banking system is weighed down by high levels of non-performing loans (NPLs), which are holding down credit growth and economic activity. This discussion note uses a new survey of European country authorities and banks to examine the structural obstacles that discourage banks from addressing their problem loans. A three pillared strategy is advocated to remedy the situation, comprising: (i) tightened supervisory policies, (ii) insolvency reforms, and (iii) the development of distressed debt markets.

Download or read book A Strategy for Developing a Market for Nonperforming Loans in Italy written by Nadège Jassaud and published by International Monetary Fund. This book was released on 2015-02-06 with total page 31 pages. Available in PDF, EPUB and Kindle. Book excerpt: Addressing the buildup of nonperforming loans (NPLs) in Italy since the global financial crisis will remain a challenge for some time and be important for supporting a sustained, robust economic recovery. The buildup reflects both the prolonged recession as well as structural factors that have held back NPL write-offs by banks. The paper discusses the impediments to NPL resolution in Italy and a strategy for fostering a market for restructuring distressed assets that could support corporate and financial restructuring.

Download or read book A Legal Perspective on the Disposition of Non Performing Loans and Bank Restructuring written by Qun Wan and published by . This book was released on 2017-01-27 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: This dissertation, "A Legal Perspective on the Disposition of Non-performing Loans and Bank Restructuring: a Study of China's State-owned Commercial Banks" by Qun, Wan, 万群, was obtained from The University of Hong Kong (Pokfulam, Hong Kong) and is being sold pursuant to Creative Commons: Attribution 3.0 Hong Kong License. The content of this dissertation has not been altered in any way. We have altered the formatting in order to facilitate the ease of printing and reading of the dissertation. All rights not granted by the above license are retained by the author. Abstract: Abstract of thesis entitled A Legal Perspective on the Disposition of Non-performing Loans and Bank Restructuring: A Study of China's State-owned Commercial Banks Submitted by Wan Qun for the degree of Doctor of Philosophy at the University of Hong Kong in March 2006 Since the late 1970s, the People's Republic of China (China) has been involved in an on-going process of economic reform with the goal of transforming from a centrally planned economy to a socialist market economy. As one of the most important aspects in this transition process, China's banking system has been moving from its passive role under central planning to an active one with market-orientation. However, owing to the tradition of supporting state development policies and their inherent weak governance regime, most China's banking institutions are not good at distributing resources in line with market disciplines. In particular, the four largest state commercial banks grapple with the lingering problems of asset quality and commercial operation resulting from China's cultural, economic, legal and institutional background. The accession of China to the World Trade Organization (WTO) marks a major step in the integration of its banking and financial markets into the global financial system. The harmonization of liberalization and restructuring poses great challenge confronting China's developing banking market and legal system. In the course of enterprise and financial reform in China, the softening of legal constraint is prevalent, as a result of the distinctive features with the context of the transitional China, which constitutes a major cause to the non-performing loan problem in China. It exposes China's continued development to risks by hindering and retarding the progression of the rule of law. Recapitalization, AMCs, debt restructuring, and shareholding system, etc. have been taken by the Chinese government to tackle the serious banking problems. Unfortunately, they are not very effective because of the absence of robust market discipline and solid legal regime. While the principle of rule of law is pursued as an ideal objective in China's economic transformation, a balance should be made between this idealistic theory and the urgent need to meet the global challenge and to maintain social stability in post-WTO China. DOI: 10.5353/th_b3638870 Subjects: Bank loans - China Bank failures - China Banking law - China Banks and banking - Government ownership - China Corporate reorganizations - China