| 期刊全稱 | Banking and Financial Markets | | 期刊簡稱 | How Banks and Financ | | 影響因子2023 | Andrada Bilan,Hans Degryse,Steven Ongena | | 視頻video | http://file.papertrans.cn/181/180712/180712.mp4 | | 發(fā)行地址 | Studies the interaction between traditional and modern banking and the economic benefits and costs of this new financial ecosystem.Relies and analyzes the most recent empirical research in banking and | | 學(xué)科分類 | Palgrave Macmillan Studies in Banking and Financial Institutions | | 圖書封面 |  | | 影響因子 | The traditional role of a bank was to transfer funds from savers to investors, engaging in maturity transformation, screening for borrower risk and monitoring for borrower effort in doing so. A typical loan contract was set up along six simple dimensions: the amount, the interest rate, the expected credit risk (determining both the probability of default for the loan and the expected loss given default), the required collateral, the currency, and the lending technology. However, the modern banking industry today has a broad scope, offering a range of sophisticated financial products, a wider geography -- including exposure to countries with various currencies, regulation and monetary policy regimes -- and an increased reliance on financial innovation and technology. These new bank business models have had repercussions on the loan contract. In particular, the main components and risks of a loan contract can now be hedged on the market, by means of interest rate swaps, foreign exchangetransactions, credit default swaps and securitization. Securitized loans can often be pledged as collateral, thus facilitating new lending. And the lending technology is evolving from one-to-one meetin | | Pindex | Book 2019 |
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