Sökning: "Loan officers"

Visar resultat 1 - 5 av 6 avhandlingar innehållade orden Loan officers.

  1. 1. How Do Bank Officers Make Lending Decisions? An Exploration of Thinking Styles, Cognitive Bias and Lending Technologies

    Författare :Carl-Christian Trönnberg; Göteborgs universitet; []
    Nyckelord :SAMHÄLLSVETENSKAP; SOCIAL SCIENCES; lending decision making; thinking styles; cognitive bias; lending technology; sunk-cost effect;

    Sammanfattning : The overall aim of this thesis was to examine how loan officers’ think and act when making assessments of loan proposals from companies. The importance of valid loan assessments can be understood through the substantial economic crises that the global economy has suffered as well as the severe problems invalid lending decisions brings for both banks and clients. LÄS MER

  3. 2. Who receives bank loans? A study of lending officers' assessments of loans to growing small and medium-sized enterprises

    Författare :Volker Bruns; Johan Wiklund; Hans Landström; Dean Shepherd; Jönköping University; []
    Nyckelord :SAMHÄLLSVETENSKAP; SOCIAL SCIENCES;

    Sammanfattning : This thesis explores factors that influence lending officers' assessments of credit requests from growing small and medium-sized enterprises (SMEs). Building on asymmetric information theory, factors identified in previous research are grouped into the theoretical categories of risk-assessment, risk-alignment, and risk-shifting. LÄS MER

  4. 3. Expertise in credit granting : studies on judgment and decision-making behavior

    Författare :Patric Andersson; Handelshögskolan i Stockholm; []
    Nyckelord :SAMHÄLLSVETENSKAP; SOCIAL SCIENCES;

    Sammanfattning : How do experienced lenders make decisions? This dissertation addresses this question by investigating judgment and decision-making behavior of loan officers in banks as well as credit managers in supplying companies. The dissertation applies an integrated economic-psychological perspective and consists of seven parts: a comprehensive literature review and six separate empirical papers. LÄS MER

  5. 4. Det förändrade kontraktet : Banker och företagskonkurser under 1990-talets finanskris

    Författare :Kristina Furusten; Mats Larsson; Ingemund Hägg; Karl Gratzer; Uppsala universitet; []
    Nyckelord :SAMHÄLLSVETENSKAP; SOCIAL SCIENCES; bankruptcies; corporate bankruptcies; financial crisis; bank crisis; contract; principal-agent theory; implicit contract; explicit contract; opportunistic; konkurser; företagskonkurser; finanskris; bankkris; kontrakt; principal-agentteori; implicit kontrakt; explicit kontrakt; opportunism; Business studies; Företagsekonomi; Business Studies; företagsekonomi;

    Sammanfattning : During the first years of the 1990s Sweden experienced a severe financial crisis. Many companies and banks in Sweden were in financial distress. In 1992, the number of bankruptcies was the highest in Swedish history and the financial system was headed towards a total break down. LÄS MER

  7. 5. Essays on behavioral determinants of earnings quality

    Författare :Savvas Papadopoulos; Göteborgs universitet; []
    Nyckelord :SAMHÄLLSVETENSKAP; SOCIAL SCIENCES; Företagsledare; Redovisning; Accounting; Executives;

    Sammanfattning : The neoclassical economic view of the firm - upon which most of the empirical financial accounting research is based - assumes that managers are rational wealth optimizers. Therefore, managers are considered homogeneous and selfless inputs into the production process, and this implies that different managers are perfect substitutes for one another. LÄS MER