Essays about: "SME LENDING"

Showing result 1 - 5 of 7 essays containing the words SME LENDING.

  1. 1. Determining an Optimal Loan Limit Strategy for SME Lending

    University essay from KTH/Matematisk statistik

    Author : Isac Karlsson; Ludvig Wärnberg Gerdin; [2020]
    Keywords : Lending to Small and Medium-sized Enterprises; linear programming; loan limit; FinTech; Kreditgivning till Små och Medelstora Företag; linjär programmering; lånlimit; FinTech;

    Abstract : The purpose of this thesis it to determine an optimal loan limit strategy. The optimality conditions are formulated in two different ways to account for two different objectives: maximizing the total profit and maximizing the approval rate. These objectives have been formulated as mathematical models and solved using linear programming. READ MORE

  3. 2. Securitisation and SME credit availability in the EU

    University essay from Handelshögskolan i Stockholm/Institutionen för nationalekonomi

    Author : Jan Litjens; [2019]
    Keywords : Assets securitisation; SME financing; Capital Markets Union; Business cycles;

    Abstract : This paper analyses the relationship between securitisation and SME financing through the bank lending channel in combination with the procyclicality of both. Using securitisation issuance data on a national level, panel survey data on SME financing conditions at the firm level, and the output gap as a proxy for the business cycle, I find that both securitisation and SME credit availability are procyclical. READ MORE

  4. 3. The Adverse Effects of Stricter Capital Regulation on the SME Bank Lending Channel

    University essay from Göteborgs universitet/Graduate School

    Author : Rebecca Palm Ballesta; Fredrika Poole Bonnier; [2018-07-04]
    Keywords : SME; Bank Lending Channel; External Finance; Capital Regulation; Basel III; SME SF;

    Abstract : The aim of this thesis is to investigate if stricter capital regulation creates negative shocks in the loan market and if these shocks adversely effect Small and Medium sized Enterprises (SME) access to external financing through the bank lending channel. This is tested through a Difference-in-Difference (DiD) model, where loan volume and interest rates of SMEs are compared to large firms in Europe from 2011 to 2016. READ MORE

  5. 4. Modelling Credit Risk: Estimation of Asset and Default Correlation for an SME Portfolio

    University essay from Umeå universitet/Institutionen för matematik och matematisk statistik

    Author : Yaxum Cedeno; Rebecca Jansson; [2018]
    Keywords : Basel Capital Accord; Capital Requirements; SME; Portfolio Credit Risk; Monte-Carlo Simulations; Risk Weighted Assets RWA .; BaselKapitalavtal; Kapitalkrav; SME; PortföljKreditrisk; Monte-Carlo Simuleringar; Riskvägda Tillgångar RWA .;

    Abstract : When banks lend capital to counterparties they take on a risk, known as credit risk which traditionally has been the largest risk exposure for banks. To be protected against potential default losses when lending capital, banks must hold a regulatory capital that is based on a regulatory formula for calculating risk weighted assets (RWA). READ MORE

  6. 5. Business growth plan as a factor for SMEs to access a bank loan : A Comparison between Iran and Sweden

    University essay from Sektionen för ekonomi och teknik (SET)

    Author : Yasaman Heshmati; [2013]
    Keywords : Banking system; lending process; Bank loan; SME; Business growth plan; Business plan; Iran; Sweden; Finance.;

    Abstract : Most of the scholars argue that the big challenge for the SMEs in order to grow is access to finance. They consider financing as the most crucial need of a growing company. Based on the previous researches, companies need to move from the internal financing to the external financing through growth. READ MORE