Essays about: "Mortgage lending"

Showing result 6 - 10 of 19 essays containing the words Mortgage lending.

  1. 6. Credit risk analysis with machine learning techniques in peer-to-peer lending market

    University essay from Stockholms universitet/Företagsekonomiska institutionen

    Author : Mikael Nilsson; Qionglin Shan; [2018]
    Keywords : ;

    Abstract : After the sub-prime mortgage crisis of 2007 and global crisis of 2008, credit risk analysis has becomes more important than ever before. This paper conducts the credit risk analysis and compares classification performances among different algorithms (logistic regression, support vector machine, decision tree, multilayer perception, probabilistic neural network, Deep Learning) by using a large peer-to-peer lending dataset composed of a million observations. READ MORE

  3. 7. Did the Covered Bond Issuance Act decrease the required yield of bonds issued to finance mortgage lending?

    University essay from Handelshögskolan i Stockholm/Institutionen för finansiell ekonomi

    Author : Alejandro Herdin Hallmen; Jonas Sjöman; [2017]
    Keywords : Covered bond; Covered Bond Issuance Act; Financing cost; Mortgage bond; Mortgage lending;

    Abstract : This paper examines the impact of the Covered Bond Issuance Act in Sweden. We argue that covered bonds exhibit a lower required yield than conventional mortgage bonds, which can reduce the financing cost of mortgage lending for banks. READ MORE

  4. 8. Swedish Banks' Reactions to the Negative Repo Rate

    University essay from Handelshögskolan i Stockholm/Institutionen för redovisning och finansiering

    Author : Alexandra Bjärrenholt; Konsta Lövgren; [2016]
    Keywords : negative repo rate; Swedish universal banks; borrowing from the public; asset management of interest rate products; lending to the public;

    Abstract : The negative repo rate is a fairly new phenomenon in the Swedish economy, and it affects the operations of Swedish universal banks through an impact on different interest rates. The goal of the study was to identify and explain the main reactions of the four largest and most influential Swedish universal banks to the effects caused by the negative repo rate. READ MORE

  5. 9. PEER-TO-PEER LENDING : THE EFFECTS OF INSTITUTIONAL INVOLVEMENT IN SOCIAL LENDING

    University essay from Högskolan i Jönköping/IHH, Företagsekonomi

    Author : Marcus Tengvall; Gustav Claesson; [2015]
    Keywords : Peer-to-Peer Lending; Institutional Involvement; Originate-to-Distribute Model; Secondary Market; Screening Incentives; Information Asymmetry;

    Abstract : This thesis examines the consequences of an increased institutional involvement in the recently emerging lending business known as peer-to-peer lending (P2PL). Since the P2PL business itself is a type of originate-to-distribute (OTD) lending model – in which the originator never carries the risk for the loans – this thesis investigates the effects it can have on the quality of the screening of potential borrowers, and if it could create a misalignment of interests between different stakeholders in the P2PL market. READ MORE

  6. 10. Mortgage Lending Institutions in Scandinavia: A study of risk for the period 2000-2013

    University essay from Umeå universitet/Företagsekonomi

    Author : Syed Anil Akbar; Duyen Ngoc La; [2014]
    Keywords : ;

    Abstract : In the last 14 years there has been a major flux in the Scandinavian financial institutions and real estate markets. The increase in size and openness, in both the markets and the institutions allowed the sector to expand phenomenally, raising concerns about the potential rise of risks. READ MORE