Kredit og kreditinstitutioner

Bogen giver overblik over – og en pædagogisk gennemgang af – de mange forskellige låneprodukter, der vedrører boligfinansiering.Håndbogen gennemgår forløbet af en boligfinansiering og behandler de rådgivningsaspekter, der melder sig i forbindelse med boligfinansiering, f.eks. vedrørende valg af lånetype, låneomlægning og kursaftaler. Et særligt kapitel beskriver finansiering af specielle boliger, bl.a.: AndelsboligerAnpartslejlighederBlandede ejendommeBygninger på lejet grundForurenede ejendommeEjendomme med hjemfaldspligt.Bogen giver desuden en indføring i finansiering af erhvervs- og udlejningsejendomme, herunder de særlige låneprodukter til disse ejendomskategorier.Nyt i 5. udgaveBeskrivelse af nye låneprodukter, herunder 2-lagsbelåning og risikomærkning af udlånsprodukterAjourføring af den praktiske side af digital tinglysningNye regler inden for den finansielle lovgivning og inden for ejendomsformidlingReglerne for de traditionelle realkreditobligationer (RO) i forbindelse med nyudlån er fortsat medtagetNyt afsnit om låneomkostningerNyt kapitel om retsforfølgning MålgruppeBogen retter sig mod alle, der beskæftiger sig med finansiering af fast ejendom, og som i deres daglige arbejde dels har brug for et overblik over reglerne på området og dels har brug for at kende den praktiske tilgang til finansiering og de mange facetter, der i den forbindelse kommer i spil.Om forfatterenSusanne Nielsen, sekretariatschef i Realkreditankenævnet, har i mere end 30 år beskæftiget sig med finansiering af fast ejendom. Hun er ekstern forfatter på Karnovs Lovsamling, lærebogsforfatter og er gennem mange år underviser på kurser om finansiering.

Boliglån og realkredit fylder mere og mere inden for kreditretten. Bogen er en antologi, hvor forfatterne drøfter aktuelle spørgsmål og fremtiden for realkreditten. Initiativet er taget inden for rammerne af arbejdet på Center for kreditret og kapitalmarkedsret, og bogen udkommer i centerets løbende serie. Forfatterkredsen består af praktikere og forskere, og emnerne viser, hvad der diskuteres p.t., eksempelvis: Hvilke informationer skal en kunde have i forbindelse med optagelse af boliglån?Hvorledes fungerer rådgivningen i praksis?Der er flere artikler om rentetilpasningslån – set fra forskellige synsvinkler. Flere artikler beskæftiger sig med det kommende EU-direktiv om forbrugerbeskyttelse ved realkredit. Redaktør Bogen er redigeret af Lennart Lynge Andersen, professor, lic.jur. og leder af Center for kreditret og kapitalmarkedsret, CBS.

In dynamic investment calculations it is necessary to discount cash flows that lie in the future. In many cases default risks have to be taken into account. These should also be included in the valuation. The author's personal experience in the subject led to the tables of Risk Adjusted Single Payment Present Worth (RASPPW) Factors. It is one of the simplest ways of risk-adjusted present value calculation. For negative and positive interest rates, different probabilities of default, and periods up to 40 years this handbook contains the Risk Adjusted Single Payment Present Worth (RASPPW) Factors. The cash flow is simply multiplied by the appropriate PV factor (depending on probability of default, interest rate and time). A very good aid in study and practice, for the calculation and control of risk-adjusted present values.

After the financial crisis is before the financial crisis - or not?The book "Money - what is it anyway?" was written as a lecture script for teenagers and young adults, but also offers an insightful glimpse into the subject for all age groups. The goal is to provide an easy introduction to the monetary and financial system as well as to invite critical scrutiny.The topics:- Money as a medium of exchange- Money as a means of preserving value- Debt money system- investment- money creation- book money- loan- compound interest- inflation- redistribution- economic growth- consumption of resources- sustainability- money supply- financial bubbles

This book examines partnerships between commercial banks and microfinance institutions (MFIs). It demonstrates that when set up properly, these partnerships have the potential to develop and enhance the financial inclusion agenda, and further support sustainable development.

Explains that the reason for the failure of recent initiatives to alleviate the poorest countries' debt-related issues is an inability to bring sovereign countries to the table to re-negotiate their debt agreements with private creditors, as they fear the credit rating agencies and the prospect of a downgrade: the 'Credit Ratings impasse'.

This book analyses the current debate around Central Bank Digital Currencies (CBDC) and the future of New Global Financial System. It offers deep insight into the global monetary policy in the context of digital and cryptocurrencies and examines both the opportunities and challenges to come.

Taliban's return to power in August of 2021 caused everyone to ask why the two decades of institution building in Afghanistan failed. This book investigates the root causes of failed reforms in an important area of reform: trade and credit institutions.

This book proposes models to help ease the access of SMEs to finance and boost economic growth and job creation in Asia by looking at the difficulties in accessing finance and suggests ways on how to mitigate these challenges.

Doctoral Thesis / Dissertation from the year 2013 in the subject Economics - Finance, grade: A, , course: Ph.D, language: English, abstract: The payment cards business has become increasingly popular in India, thereby providing considerable scope for further expansions as an extension of banking service to its customer. Hence the study attempts to find the spending pattern, behavior and satisfaction of the credit card and debit card holders. The study was also trace out the problems faced by the credit card and debit card holders while using the Cards. The introduction of payment cards by banks all over the world is considered as a major step, and as such the card has become a way of life in advanced countries. It is also fast catching up fasts in developing countries like India. During 1914, a number of oil companies issued the first payment card to their customer for the purchase of gasoline, oil and accessories at the company¿s stations. Therefore, local departmental stores, railways companies also started issuing payment cards. The Franklin national bank of New York was introduced in 1951. It is the first banks in the US to adopt a credit card plan around 1958.In the early stages its growth was very slow in terms of member and values. However, in the recent past the scenario has changed dramatically.Georgios Papadopoulos1, EIPE (2001), the revolution in information and communication technologies facilitated the expansion of the electronic payment systems and the organization of new types of payment instruments. Communications became not only faster, easier and safer but also considerably cheaper. Much more efficient fund transfers systems emerged and as a result direct debits and credit transfers expanded considerably. Cards payments have been developing by providing added value services to consumers that rely on application of novel network technologies. Electronic money, the latest offspring of the electronic revolution in payment, is introduced for the facilitation of ecommerce and for low value transactions in general. This is considered of great importance for limiting the use of cash and it has been suggested that it could lay the foundations for a cashless society.

Luxury, Fashion and the Early Modern Idea of Credit addresses how social and cultural ideas about credit and trust were affected by the growth and development of the bankruptcy institution. This book is an essential read for scholars in economic history, financial history, social history and European history.

This book offers an in-depth analysis of the most salient features of contemporary financial systems and clarifies the major strategic issues facing the development of digital finance. It provides insight into how the digital finance system actually works in a socioeconomic context.

Managing environment, social and governance (ESG) risk, compliance risk and non-financial risk (NFR) has become increasingly critical for businesses in the financial services industry. Furthermore, expectations by regulators are ever more demanding, while monetary sanctions are being scaled up. Accordingly, ESG, Compliance and NFR risk management requires sophistication in various aspects of a risk management system.This handbook analyses a major success factor necessary for meeting the requirements of modern risk management: an institution-specific target operating model (TOM) - integrating strategy, governance & organisation, risk management, data architecture and cultural elements to ensure maximum effectiveness. Also, institutions need to master the digital transformation for their business model to be sufficiently sustainable for the years to come. This book will offer ways on how to achieve just that. The book has been written by senior ESG, Compliance and NFR experts from key markets in Europe, the U.S. and Asia. It gives practitioners the necessary guidance to master the challenges in today's global risk environment. Each chapter covers key regulatory requirements, major implementation challenges as well as both practical solutions and examples.

Seminar paper from the year 2018 in the subject Business economics - Investment and Finance, grade: 1,3, University of applied sciences, Düsseldorf, language: English, abstract: This work focuses on the private equity (PE) investments within SMEs. Fundamentals of private equity investments are reviewed in the second chapter. This includes definition and product categories of private equity and how PE business is organized as well as the history of PE market in Germany. The third chapter analyses the process of the PE deals including the different phases as well as the exit strategies. The last chapter critically analyse the PE deals from the point of view of the investor and the targeted company before closing with the outlook and conclusion.In the last decades, the private equity market in Germany has witnessed waves of rise and fall. But it surpassed, by the end of 2017, all the records of German PE history. According to Deutsche Beteiligungs (DBAG), the amount of transactions in the mid-sized businesses in the German market dramatically increased and hit ¿4.4 billion in 2017 which was the highest during the last 15 years. But in contrast, the competition in the German market has been recently high with a steady number of companies which led to high prices and overvalued companies. PE firms target the mid-sized businesses since they are more likely to accept financial investors than bank loans or credit lines. However, this problem can now be countered with the help of PE in the context of alternative corporate financing. It should be noted that PE business has been a concern of German politics and businesses since the 1960s where the financial system was basically based on banks which is not appropriate for the development of PE industry. The government intervention was the base to build a stronger PE industry away from bank-based financial systems. Recently, the stock market segment was a key driver for the dynamic development of PE market. The price falls and the collapse of the overheated and overvalued companies were also clearly felt in the PE segment and generated a great deal over scepticism on the capital markets.

Research Paper (undergraduate) from the year 2018 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, , language: English, abstract: This study is attempted to examine factors affecting non -performing loan of development bank of Ethiopia. The main objective is to examine the factors affecting nonperforming loans in DBE central region. After problem identification, research hypothesis was developed which inquires the relationship and effect of non-performing loans on development bank of Ethiopia. Both secondary and primary data were used in the research. The data is then analyzed using descriptive, correlation and regression techniques through SPSS and Stata software program. The findings of the study revealed that gross domestic product has a positive impact on the occurrence of non-performing loans while other model variables unemployment, inflation rate and exchange rate have no impact on the occurrence of non-performing loan in which negatively affect non-performing loan. according to my study result. Also the result of the primary data indicated that in regarding about customer's specific causes, the result showed that credit culture of customers, lack of business knowledge, delayed approval, profit of the business, business location were determinants of non-performing loan while bank specific factors include poor credit assessment, poor customer selection, aggressive lending policy, borrowers culture, credit size affected non-performing loan.

Document from the year 2019 in the subject Business economics - Investment and Finance, , course: ECONOMICS, language: English, abstract: The main objective of the study is to identify the borrower characteristics that discriminate them into defaulters and non- defaulters and examine the determinants of loan repayment and their credit worthiness in Microfinance institutions in Vavuniya district in Sri Lanka. In line with above general objective, this study has the following specific objectives:To identify the borrower characters those classify them into defaulters and non-defaulters in the study area.To evaluate the impact of major demographic characters such as age, gender, levels of education, civil status and family members of the borrowers that impact on their repayment performance and credit worthiness.To investigate how the farming characters like income, farm size, ownership of land, farming experience and availability of non-farm income as well as farmers' attributes such as purposes of loan, crop failure, weather conditions and knowledge about loans affect loan repayment and discriminate the borrowers into two groups in the study area.Financial institutions and banks have major role in financial sector as well as rural sector of an economy in terms of providing loans to the rural community in developing countries like Sri Lanka. The borrowers especially, farmers are able to get the loans from the microfinance institutions to improve their living standard through agricultural activities and generate their income. Even the borrowers have chances to receive the loans, the microfinance institutions and banks are facing the problems to recover the loans from the borrowers. Thus, default rate among the borrowers has been increasing over time which is the difficult task to manage the banks and financial institutions. There are a number of many factors particularly demographic and farming characters that affect the loan repayment rates. There has not been any empirical research conducted regarding to repayment performance among the borrowers who get the loans from SANASA Thrift, Credit and Cooperative Society (TCCS) banks in Vavuniya district. Therefore, this study tries to provide the relevant information for a better understanding on the determinants of loan repayment performance of the borrowers and the information will be useful for policy makers, other lending institutions and stakeholders for their future decision making on granting the loans for their clients.

Doctoral Thesis / Dissertation from the year 2013 in the subject Sociology - Work, Profession, Education, Organisation, grade: A, , course: PhD, language: English, abstract: The poor, like others, too need financial products and services in order to build assets, manage consumption and mitigate risks. Microfinance, in recent times, has emerged as a powerful tool to provide access to some financial services to the poor. For decades, poverty alleviation has topped the International development agenda. United Nations Millennium Goals state that by 2015 the number of people living in extreme poverty should be half of what it was in 2000. Microfinance addresses the twin goals of financial inclusion and poverty alleviation in a way that builds self-esteem in the individual and self-sufficiency in the institution providing the financial services. Different models have emerged in microfinance delivery based on their clientele, focus area, interest rate, savings linkages, collateral, coverage and organizational/legal structure. With all the successes of the existing microfinance models, the herculean task of poverty alleviation still leaves enough space for innovative models. This study explores the potential of faith-based microfinance in complimenting the efforts of poverty alleviation and also overcoming the weaknesses in the existing models. Faith-based microfinance operate on distinct principles. The purpose of this study is to focus on the functioning of the faith based microfinance and to explore its role as an alternative tool of poverty alleviation. In order to get a meaningful insight regarding the impact of faith based microfinance on the lives of the beneficiaries, it is necessary that a comparison is made to the mainstream microfinance on commonly accepted parameters of poverty alleviation.

Die IDW Textausgabe enthält die einzige offizielle deutsche Übersetzung der ISA und des ISQC 1. Diese Neuauflage umfasst die aktualisierten Fassungen sämtlicher die Abschlussprüfung betreffender ISA sowie des ISQC 1. Sie beinhaltet somit die Neuerungen aus folgenden IAASB-Projekten:- Auditor Reporting- ISA 720 (Revised)- Disclosures- NOCLAR- ISA 540 (Revised)Wie gehabt ist dem englischen Original die deutsche Übersetzung gegenübergestellt. Dies ermöglicht dem Nutzer die Arbeit mit dem deutschen Text und bei Bedarf einen Rückgriff auf den englischen Text.Wie ihre Vorauflage enthält auch diese Textausgabe eine Zusammenstellung aller in den ISA definierten Fachbegriffe mit deren Übersetzung. Das beliebte Begriffsregister in alphabetischer Reihenfolge auf Deutsch dient dem Praktiker als Unterstützung bei seinen Übersetzungsarbeiten.Käufer des aktuellen Buches können bis zum Erscheinen der nächsten Auflage auf die Online-Ausgabe kostenfrei zugreifen. Sollte die Folgeauflage des Buches unregelmäßig erscheinen und/oder über einen längeren Zeitraum nicht erscheinen ist der Verlag berechtigt die online-Ausgabe nach Vorhaltung von 2 Jahren einzustellen

Aus ökonomischer Sicht korrigieren Förderbanken Marktversagen. Diese Funktion manifestiert sich beispielsweise darin, dass eine unzureichende Finanzierung von Teilen der Wirtschaft, etwa des Mittelstandes, mit Fremd- oder Eigenkapital durch staatliche Förderbanken abgemildert wird. Marktversagen tritt besonders bei Innovationen auf. Hohe Unsicherheiten über den Erfolg der neuen Produkte und Prozesse verhindern oft genug private Anschubfinanzierungen. Dem Staat fällt unter diesen Umständen die Rolle zu, das Risiko einer privaten Finanzierung abzusenken, oder selbst durch eigene Nachfrage und Beschaffung neue Märkte anzuschieben. Typischerweise sind es die Förderbanken, die Maßnahmen zur Überwindung dieser Art von Marktversagen finanzieren. Angesichts der ökonomischen Bedeutung von Förderbanken ist überraschend, wie wenige wissenschaftliche Analysen bzw. Darstellungen ihrer Tätigkeit in Fachzeitschriften zu finden sind. Wir möchten mit zwei Sonderheften dazu beitragen, diese Lücke zu verkleinern. Die zwei Bände sind so gegliedert, dass in diesem ersten Band Förderbanken in Deutschland im Mittelpunkt der Analyse stehen. Im zweiten Band geht der Blick, ausgehend von einigen grundsätzlichen Untersuchungen über Förderbanken, dezidiert in Richtung internationaler Aktivitäten und Institute. In beiden Bänden werden Aufsätze mit theoretischen Überlegungen vor allem durch Aufsätze begleitet, die ihren Schwerpunkt in den praktischen Umsetzungen und Erfahrungen haben.Diese einzigartige Sammlung von Artikeln vertieft unser Verständnis von der Rolle der Entwicklungsbanken als Instrumente, um wirtschaftlichen Niedergang zu bekämpfen, um die Auswirkungen der Covid-19-Pandemie zu begrenzen und um den ökologischen und sozialen Wandel zu fördern.