oalib
Search Results: 1 - 10 of 100 matches for " "
All listed articles are free for downloading (OA Articles)
Page 1 /100
Display every page Item
The Impact of Interest Rate Marketization on China’s Commercial Banks and Its Tactics  [PDF]
Xinrong Cui
Journal of Mathematical Finance (JMF) , 2016, DOI: 10.4236/jmf.2016.65061
Abstract: With the advance of market-oriented interest rate, the risk of commercial banks in our country is increasing day by day, including credit risk and interest rate risk. This paper mainly discusses the interest rate risk, and the re-pricing risk based on the interest rate risk. And this paper makes an empirical study and puts forward countermeasures of the commercial banks in China under the background of market-oriented interest rate.
EFFECT OF INTEREST RATES ON PERFORMANCE OF COMMERCIAL BANKS IN KENYA: A CASE OF SELECTED BANKS IN KISII TOWN
Linet Bwoma, Dr.Christopher Ngancho, Andrew Nyang’au
Africa International journal of management education and Governance , 2017, DOI: -
Abstract: The success of a commercial bank depends on income and value of its assets (loans). This study focused on interest rates and their effect on performance of the commercial banks in Kenya. Descriptive research design was adopted with a target population of 153 respondents from the credit departments. Stratified random sampling was used to select a sample of 111 respondents who were administered with a structured questionnaire. The collected data was collated and coded for descriptive and inferential analyses using the Statistical Package for Social Sciences version 23. Findings revealed that Central bank (CBK) policies affect the interest rates charged (mean 4.23), interest rates charged vary depending on repayment period (mean 3.85), higher portfolio at risk (PAR) increases the number of NPLs (mean 3.77) and increased interest income promotes high performance by banks (mean 3.94).There was a statistically significant relationship between interest rates, loan provision and performance of commercial banks. The study recommended that commercial banks should effectively respond to CBK interest rate policies, minimize number of bad loans and strive to maintain low PAR.
A Research on Interbank Loan Interest Rate Fluctuation Characteristics and the VaR Risk of China’s Commercial Banks  [PDF]
Baoqian Wang, Cheng Wang, Xikun Zhang
Modern Economy (ME) , 2012, DOI: 10.4236/me.2012.36097
Abstract: According to the historical time series data of commercial interbank, this paper examines the interest rate fluctuation distribution characteristics, indicating that EGARCH Model can better fit the rate volatility of the interbank market interest. This paper calculates the value at risk (VaR) of five major commercial banks using EGARCH Model with such a conclusion that the difference that major commercial banks face is various. The interest risk of state-owned commercial banks and other financial institutions is more serious than the city commercial banks and foreign banks. The interest risk of rural credit cooperatives is the least serious.
Shadow Banking, Interest Rate Marketization and Bank Risk-Taking: An Empirical Study of the 40 Commercial Banks in China  [PDF]
Jing Luo
Journal of Financial Risk Management (JFRM) , 2017, DOI: 10.4236/jfrm.2017.61003
Abstract: Based on the panel data of 40 Commercial Banks in China during 2006-2014, this paper makes an empirical study on the relationship between shadow banking, interest rate marketization and bank risk-taking by using the system GMM model. The study found that the development of the shadow banking and the interest rate marketization is conducive to the diversification of banks’ business, thereby reducing the risk of banks. The study also found that “too big to fail” and periodic are the characteristics of commercial bank risk.
Credit and Debit Card Usage and Cash Flow Management Control by Customers: Evidences from Commercial Banks Customers in Kisumu City, Kenya
JS Simiyu, G Momanyi, KI Naibei, AJ Odondo
African Research Review , 2012,
Abstract: In the recent past, the banking sector in Kenya has witnessed a rapid growth, issuing thousands of credit cards and millions of debit cards to their customers. The frequency in which customers use these cards for various transactions raised concerns of whether customers had lost control over their finances. Previous studies on this area have provided very little understanding on the impact of use of debit and credit cards on customers cash flow management control. This study sought to determine the extent of use of debit and credit cards in cash deposits, withdrawals and purchase transactions at retail outlets and to determine its effects on cardholder s cash flow management. Data was collected through a structured questionnaire administered to a sample of 35 debit and credit cardholders each, drawn from customers of 7 main commercial banks in Kisumu city, Kenya. The study revealed that both debit and credit cards usage increases cash outflows compared to cash inflows and that use of these cards has increased consumption levels as opposed to investments. As a premier study in Kenya, this study will greatly help in the understanding of the impact debit and credit cards in developing countries which are yet to advance in technology.
On the Determinants of Interest Rate Swap Usage by Indian Banks  [PDF]
B. Charumathi
Lecture Notes in Engineering and Computer Science , 2009,
Abstract:
Internal Auditing in Commercial Banks
Ali Idiab Mohamed Idiab,Mohamad Sabri Bin Haron,Shofian Bin Hj. Ahmad
International Business Management , 2012, DOI: 10.3923/ibm.2011.287.294
Abstract: Internal auditing has witnessed enormous development in many aspects over last two decades. In the practical performance of internal auditing function, this was a limited activity, restricted in investigation and auditing of financial and accountancy processes. Later, it came to investigate and audit all processes and even became eyes and ears of higher administration. With many economical developments that have occurred and spread of many commercial banks, failure of conditions within various commercial banks and appearance of many professional reports that evaluate governmental control systems during last two decades there is a need for a greater role in verification and evaluation of control dealing with risks. A considerable amount of professional reports confirmed importance and role of internal auditing, inspection and evaluation of control systems and specification and evaluation of dealing with all risks that commercial banks are confronted by. As a result of orientation of organized status of internal auditing, commercial banks moved towards sole independence by coming under supervision of an audition administration committee which board of directors depends upon to acquire authenticated data. Initially, internal auditing was connected to external auditing and it adopted many of methods. In some commercial banks, programs and plans of internal auditing were arranged in accordance with methods and styles of external auditing. However as internal auditing developed as a function and profession, it came to have its own methods and procedures besides private mechanisms which are based upon experience of practical performance, helped by results of theoretical scientific research which deals with study of internal auditing as a function and profession.
非利息收入业务对上市商业银行综合经营绩效影响的实证研究
An empirical study on the effect of non-interest income business on the comprehensive business performance of listed commercial banks in China
 [PDF]

岳意定,李依瑶
YUE Yiding
, LI Yiyao

- , 2016, DOI: 1672-3104(2016)02-0092-07
Abstract: 摘 要: 以往学术界通常采用总资产收益率和股权收益率两个指标衡量银行的经营绩效,而这两个指标仅仅只能反映银行的盈利能力,不能全面反映银行的经营绩效。考虑到这两个指标的局限性,通过考察上市商业银行盈利性、流动性、风险性、清偿能力及安全性,应用银行综合经营绩效来衡量银行经营绩效,选取沪深两市16家上市商业银行2007―2014年的相关数据,构建面板回归模型分析了非利息收入业务对上市商业银行综合经营绩效的影响。研究结果表明,非利息收入业务与上市国有控股商业银行综合经营绩效显著负相关,与上市股份制商业银行综合经营绩效显著正相关。
Abstract: In the past, the academic circles in our country generally used the total assets return rate and the stock return rate of two indicators to measure the bank’s business performance, but these two indicators could only reflect the profitability of the banks rather than the business performance of the banks. The present study, by considering the limitations of these two indicators, adopts the bank’s comprehensive business performance to measure business performance, selects data from 16 listed commercial banks from 2007 to 2014 as a sample, lists profitability, liquidity, risk, solvency and security, and constructs the panel data regression model to analyze the effect of non-interest income on the performance of listed commercial banks in China. Research results show that the non-interest income has a significant negative correlation with the performance of listed state-owned commercial banks. And non-interest income has a significant positive correlation with the performance of listed joint-stock commercial banks
Factors impacting on the adoption of biometric technology by South African banks: An empirical investigation
A Pooe, L Labuschagne
Southern African Business Review , 2011,
Abstract: The aim of this paper was to identify factors impacting on the adoption of biometric authentication in the South African banking sector as a means of authentication. The study constitutes exploratory research and is limited to the use of biometric technology within the fi nancial services sector. Within this sector, specifi c focus is placed on the four leading South African banks. A survey was conducted, and the fi ndings show common agreement and acceptance of biometric authentication as a way to improve information security in the various banking channels despite its not being widely implemented. With regard to factors infl uencing the adoption of biometric authentication, the study identifi ed three main adoption inhibitors. This study contributes to the greater body of knowledge on the use of biometrics for banking applications by providing insight into current practices and perceptions.
Analysis of Financial Performance of Selected Commercial Banks in India  [PDF]
Palamalai Srinivasan, John Britto
Theoretical Economics Letters (TEL) , 2017, DOI: 10.4236/tel.2017.77145
Abstract: The present study attempts to evaluate the financial performance of selected Indian commercial banks for the period from 2012/13 to 2016/17. The study comprises 16 commercial banks, 11 representing public sector and 5 from private sector, and the financial performance of these banks are analysed using the financial ratios. The study shows that the financial performance of private sector banks is relatively better than the public sector banks throughout the study period. Besides, the study examines the impact of liquidity, solvency and efficiency on the profitability of the selected Indian commercial banks by employing the panel data estimations, viz. the Fixed Effect and Random Effect models. The empirical results from the panel data estimations revealed that the liquidity ratio and solvency ratio, and the turnover ratio and solvency ratio are found to have positive and significant impact on the profitability of selected public sector and private sector banks, respectively, bearing testimony to the fact that profitability is a function of those ratios.
Page 1 /100
Display every page Item


Home
Copyright © 2008-2017 Open Access Library. All rights reserved.