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Thesis on online banking services
Understanding the Value Impact of Receiving and Providing Trade Credit
By: Vinod Venkiteshwaran, Ph.D.
Most discussions, formal and informal, on firm credit policy are typically undertaken with no immediate reference to the impact on shareholder value. Every financial decision that a credit manager makes ultimately affects stock valuation. Therefore it is important to understand the impact that credit policies have on shareholder value. Trade credit has been shown to act as a substitute for traditional sources of financing such as bank loans especially for financially constrained firms. Therefore managing credit policy appropriately can have significant implications for those firms in terms of shareholder value. Firms that are not financially constrained may not rely on receiving trade credit as much but they are in a better position to provide trade credit, which in itself can lead to competitive advantages. Therefore how much in trade credit a firm receives versus how much in trade credit it extends has a joint effect on stock values. The empirical tests in this study estimates that the joint marginal impact of receiving versus providing trade credit results in a 24 cent increase in stock value per dollar of net trade credit received.
Business Credit and Collection Risk Analysis
By C.J. Wimley
Historically, the majority of business credit decisions made by credit departments are based on data purchased from one of the major credit bureaus, i.e., Dun & Bradstreet (D&B), Equifax, Graydon or Experian. These companies provide various types of generic credit reports and associated services where the information contained comes from a relatively small number of data providers, approximately 6,000 of the 20 million companies operating in the US, for US-based credit bureaus together with various forms of public record data such as liens, judgments and published financial statements. Additionally, information may be provided by trade associations and of course the company's own operating experience with their customers. Generic scores, credit bureau reports and data can be used either as a stand-alone evaluator or as a component of a judgmental-based model. However, companies are now reconsidering this technique and are instead adopting statistical modeling (or a hybrid of statistical with the bureau data). The nature of the data provided by the credit bureau assumes that every company looking at the data has the same risk, because the risk measurement provided is the same for everybody.
Assignment for the Benefit of Creditors and State Law Preferences
An in-depth analysis of financial statements, this course is designed to help investors and managers in their assessment of business entity. This course also analyzes financial services industry: bank financial statement analysis with an emphasis on off- balance sheet lending and borrowing, capital structure issues, and innovations in mortgage-backed securities and asset-based financing techniques are covered. Additionally, the tax implications of various derivative securities is studied.
Texas A&M International University - TAMIU Home
The survey population was all online banking users, utilizing services from South. African banks. a sounding board in the process of writing this dissertation.
She represents The Banker at various international events, including the annual meetings of the IMF/World Bank and the Inter-American Development Bank, and has chaired numerous conferences and panel discussions on banking, trade and investment.Previously, Silvia was online editor of Public Private Finance, a news and data service for the UK public private partnerships community.
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