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The Resource Banking and Financial Markets : How Banks and Financial Technology Are Reshaping Financial Markets, by Andrada Bilan, Hans Degryse, Kuchulain O'Flynn, Steven Ongena, (electronic resource)

Banking and Financial Markets : How Banks and Financial Technology Are Reshaping Financial Markets, by Andrada Bilan, Hans Degryse, Kuchulain O'Flynn, Steven Ongena, (electronic resource)

Creator
Author
Contributor
Summary
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.--
Language
eng
Work
Publication
Edition
1st ed. 2019.
Extent
1 online resource (XI, 221 pages)
Contents
  • 1. Introduction
  • 2. Securitization and Lending
  • 3. Interest Rate Risk
  • 4. Credit Risk
  • 5. Collateral and Lending
  • 6. Global Banking
  • 7. FinTech and the Future of Banking
  • 8. Conclusion
Isbn
9783030268442
Link
https://eui.idm.oclc.org/login?url=https://doi.org/10.1007/978-3-030-26844-2
Instance
Label
Banking and Financial Markets : How Banks and Financial Technology Are Reshaping Financial Markets
Title
Banking and Financial Markets
Title remainder
How Banks and Financial Technology Are Reshaping Financial Markets
Statement of responsibility
by Andrada Bilan, Hans Degryse, Kuchulain O'Flynn, Steven Ongena
Creator
Contributor
Author
Subject
Language
eng
Summary
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.--
Member of
Assigning source
Provided by publisher
http://library.link/vocab/creatorName
Bilan, Andrada
Image bit depth
0
Literary form
non fiction
Nature of contents
dictionaries
http://library.link/vocab/relatedWorkOrContributorName
  • Degryse, Hans
  • O'Flynn, Kuchulain
  • Ongena, Steven
Series statement
  • Springer eBooks.
  • Palgrave Macmillan Studies in Banking and Financial Institutions,
http://library.link/vocab/subjectName
  • Banks and banking
  • Capital market
  • Management
  • Industrial management
Label
Banking and Financial Markets : How Banks and Financial Technology Are Reshaping Financial Markets, by Andrada Bilan, Hans Degryse, Kuchulain O'Flynn, Steven Ongena, (electronic resource)
Link
https://eui.idm.oclc.org/login?url=https://doi.org/10.1007/978-3-030-26844-2
Instantiates
Publication
Antecedent source
mixed
Carrier category
online resource
Carrier category code
  • cr
Carrier MARC source
rdacarrier
Color
not applicable
Content category
text
Content type code
  • txt
Content type MARC source
rdacontent
Contents
1. Introduction -- 2. Securitization and Lending -- 3. Interest Rate Risk -- 4. Credit Risk -- 5. Collateral and Lending -- 6. Global Banking -- 7. FinTech and the Future of Banking -- 8. Conclusion
Control code
978-3-030-26844-2
Dimensions
unknown
Edition
1st ed. 2019.
Extent
1 online resource (XI, 221 pages)
File format
multiple file formats
Form of item
  • online
  • electronic
Governing access note
Use of this electronic resource may be governed by a license agreement which restricts use to the European University Institute community. Each user is responsible for limiting use to individual, non-commercial purposes, without systematically downloading, distributing, or retaining substantial portions of information, provided that all copyright and other proprietary notices contained on the materials are retained. The use of software, including scripts, agents, or robots, is generally prohibited and may result in the loss of access to these resources for the entire European University Institute community
Isbn
9783030268442
Level of compression
uncompressed
Media category
computer
Media MARC source
rdamedia
Media type code
  • c
Other physical details
11 illustrations, 7 illustrations in color.
Quality assurance targets
absent
Reformatting quality
access
Specific material designation
remote
System control number
(OCoLC)1128025101
Label
Banking and Financial Markets : How Banks and Financial Technology Are Reshaping Financial Markets, by Andrada Bilan, Hans Degryse, Kuchulain O'Flynn, Steven Ongena, (electronic resource)
Link
https://eui.idm.oclc.org/login?url=https://doi.org/10.1007/978-3-030-26844-2
Publication
Antecedent source
mixed
Carrier category
online resource
Carrier category code
  • cr
Carrier MARC source
rdacarrier
Color
not applicable
Content category
text
Content type code
  • txt
Content type MARC source
rdacontent
Contents
1. Introduction -- 2. Securitization and Lending -- 3. Interest Rate Risk -- 4. Credit Risk -- 5. Collateral and Lending -- 6. Global Banking -- 7. FinTech and the Future of Banking -- 8. Conclusion
Control code
978-3-030-26844-2
Dimensions
unknown
Edition
1st ed. 2019.
Extent
1 online resource (XI, 221 pages)
File format
multiple file formats
Form of item
  • online
  • electronic
Governing access note
Use of this electronic resource may be governed by a license agreement which restricts use to the European University Institute community. Each user is responsible for limiting use to individual, non-commercial purposes, without systematically downloading, distributing, or retaining substantial portions of information, provided that all copyright and other proprietary notices contained on the materials are retained. The use of software, including scripts, agents, or robots, is generally prohibited and may result in the loss of access to these resources for the entire European University Institute community
Isbn
9783030268442
Level of compression
uncompressed
Media category
computer
Media MARC source
rdamedia
Media type code
  • c
Other physical details
11 illustrations, 7 illustrations in color.
Quality assurance targets
absent
Reformatting quality
access
Specific material designation
remote
System control number
(OCoLC)1128025101

Subject

Member of

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