Managing risk in credit cooperative banks: Lessons from a case study

Caldarelli, Adele; Fiondella, Clelia; Maffei, Marco; Zagaria, Claudia

doi:10.1016/j.mar.2015.10.002

Cited by 38 publications

(17 citation statements)

References 39 publications

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“…The aforesaid studies confirm that sustainable banks tend to institutionalize socially responsible investments. These investment decisions usually fulfill certain ethical and economic criteria [56]. In addition, existing studies also examine the operations of sustainable banks.…”

Section: Sustainability and Bankingmentioning

confidence: 99%

Credit Line Models for Supply Chain Enterprises with Channel Background and Soft Information

Wang

Yang

et al. 2019

Sustainability

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Credit lines have been widely adopted by banks to grant credit to small and medium-sized enterprises (SMEs). However, there often exists a gap between the credit lines granted by banks and the actual funding needs of SMEs. In addition, existing credit line models treat each SME as a stand-alone entity instead of considering it within its supply chain system. But an SME’s supply chain relations have a significant impact on its credit-worthiness. To offer banks a holistic assessment, this paper first constructs a base credit line model for SMEs by considering their supply chain background. Next, by accounting for the unique advantage of soft information processing in a supply chain context, we put forward an extended credit line model for supply chain enterprises with soft information. The base and extended credit line models proposed in this paper aim to reduce information asymmetry between banks and SMEs via the core enterprise in the supply chain, thereby helping banks to secure a sustainable source of profit at a lower risk level and SMEs to obtain more credit to support their sustainable growth. A case study is furnished to illustrate how the proposed models can be applied in practice and an empirical analysis further verifies their validity.

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Section: Sustainability and Bankingmentioning

confidence: 99%

Credit Line Models for Supply Chain Enterprises with Channel Background and Soft Information

Wang

Yang

et al. 2019

Sustainability

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“…La banca social no emerge como la solución al problema del crédito ni como el único promotor de los proyectos de inversión que contemplen los beneficios sociales y medioambientales como obliga-torios, sino que con su actividad pretende delimitar el compromiso y la ética en un sistema financiero que vuelva a suscitar interés en la sociedad y en los clientes decepcionados (Caldarelli et al, 2016;Cornée, Kalmi y Szafarz, 2016;Mozib, 2015).…”

Section: Análisis Estratégico De La Banca éTica En España a Través Deunclassified

Análisis estratégico de la Banca ética en España a través de Triodos Bank. Financiación de proyectos sociales y medioambientales

Segura

Martínez

2018

Ciriec-España

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“…We choose H e-commerce enterprise in Henan Province as an empirical research object and conduct credit risk rating description with five grades. We conducted a survey by designing a questionnaire [6]. There are 20 valid questionnaires, which are from 6 H-related practitioners, 10 bank credit officers, and 4 university-related professional teachers.…”

Section: Empirical Analysis Based On H E-commerce Enterprisementioning

confidence: 99%

Research on the credit risk of small and micro enterprises under “The Belt and Road Initiative”

Liu

Sun

2018

E3S Web Conf.

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Under the “The Belt and Road Initiative”, small and micro enterprises have new opportunities and new challenges. At present, the biggest problem facing the development of small and micro enterprises is the financing problem, and it is imminent to solve the financing problem. Based on the actual situation of small and micro enterprises, this paper designs a credit risk evaluation index system for small and micro enterprises through literature analysis and questionnaire, makes an empirical analysis on the H e-commerce enterprises in Henan province. On this basis, the credit risk control strategy of small and micro enterprises is put forward at the end of the article.

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Managing risk in credit cooperative banks: Lessons from a case study

Cited by 38 publications

References 39 publications

Credit Line Models for Supply Chain Enterprises with Channel Background and Soft Information

Credit Line Models for Supply Chain Enterprises with Channel Background and Soft Information

Análisis estratégico de la Banca ética en España a través de Triodos Bank. Financiación de proyectos sociales y medioambientales

Research on the credit risk of small and micro enterprises under “The Belt and Road Initiative”

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