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Banking and Financial Markets

- How Banks and Financial Technology Are Reshaping Financial Markets
Af: Steven Ongena, Andrada Bilan, Hans Degryse, Kuchulain O’Flynn Engelsk Paperback

Banking and Financial Markets

- How Banks and Financial Technology Are Reshaping Financial Markets
Af: Steven Ongena, Andrada Bilan, Hans Degryse, Kuchulain O’Flynn Engelsk Paperback
Tjek vores konkurrenters priser
The traditional role of a bank was to transfer funds from savers to investors, engaging in maturity transformation, screening for borrower risk and monitoring for borrower effort in doing so. A typical loan contract was set up along six simple dimensions: the amount, the interest rate, the expected credit risk (determining both the probability of default for the loan and the expected loss given default), the required collateral, the currency, and the lending technology. However, the modern banking industry today has a broad scope, offering a range of sophisticated financial products, a wider geography -- including exposure to countries with various currencies, regulation and monetary policy regimes -- and an increased reliance on financial innovation and technology. These new bank business models have had repercussions on the loan contract. In particular, the main components and risks of a loan contract can now be hedged on the market, by means of interest rate swaps, foreign exchange transactions, credit default swaps and securitization. Securitized loans can often be pledged as collateral, thus facilitating new lending. And the lending technology is evolving from one-to-one meetings between a loan officer and a borrower, at a bank branch, towards potentially disruptive technologies such as peer-to-peer lending, crowd funding or digital wallet services.

This book studies the interaction between traditional and modern banking and the economic benefits and costs of this new financial ecosystem, by relying on recent empirical research in banking and finance and exploring the effects of increased financial sophistication on a particular dimension of the loan contract. 
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The traditional role of a bank was to transfer funds from savers to investors, engaging in maturity transformation, screening for borrower risk and monitoring for borrower effort in doing so. A typical loan contract was set up along six simple dimensions: the amount, the interest rate, the expected credit risk (determining both the probability of default for the loan and the expected loss given default), the required collateral, the currency, and the lending technology. However, the modern banking industry today has a broad scope, offering a range of sophisticated financial products, a wider geography -- including exposure to countries with various currencies, regulation and monetary policy regimes -- and an increased reliance on financial innovation and technology. These new bank business models have had repercussions on the loan contract. In particular, the main components and risks of a loan contract can now be hedged on the market, by means of interest rate swaps, foreign exchange transactions, credit default swaps and securitization. Securitized loans can often be pledged as collateral, thus facilitating new lending. And the lending technology is evolving from one-to-one meetings between a loan officer and a borrower, at a bank branch, towards potentially disruptive technologies such as peer-to-peer lending, crowd funding or digital wallet services.

This book studies the interaction between traditional and modern banking and the economic benefits and costs of this new financial ecosystem, by relying on recent empirical research in banking and finance and exploring the effects of increased financial sophistication on a particular dimension of the loan contract. 
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Se mere i:
Produktdetaljer
Sprog: Engelsk
Sider: 221
ISBN-13: 9783030268466
Indbinding: Paperback
Udgave:
ISBN-10: 3030268462
Kategori: Forskningsledelse og udviklingsledelse
Udg. Dato: 27 nov 2020
Længde: 0mm
Bredde: 148mm
Højde: 210mm
Forlag: Springer Nature Switzerland AG
Oplagsdato: 27 nov 2020
Forfatter(e): Steven Ongena, Andrada Bilan, Hans Degryse, Kuchulain O’Flynn
Forfatter(e) Steven Ongena, Andrada Bilan, Hans Degryse, Kuchulain O’Flynn

Kategori Forskningsledelse og udviklingsledelse

ISBN-13 9783030268466

Sprog Engelsk

Indbinding Paperback

Sider 221

Udgave

Længde 0mm

Bredde 148mm

Højde 210mm

Udg. Dato 27 nov 2020

Oplagsdato 27 nov 2020

Forlag Springer Nature Switzerland AG

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