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Conceptual Issues On Savings In Nigeria., A. J. Adam, A. V. Agba
Conceptual Issues On Savings In Nigeria., A. J. Adam, A. V. Agba
Bullion
It is often held that capital accumulation is necessary and sufficient condition for growth and capital accumulation is almost synonymous with saving, hence the route to growth is then one of raising savings and smoothing consumption (Deaton, 1991). Savings is one of the key relevant macroeconomic variables in any economy. Its impact on the rate of capital accumulation, productivity and the degree of dependency of a nation on foreign capital and foreign ownership of domestic assets cannot be overemphasised. This paper reviews conceptual issues on savings behaviour in Nigeria. It also provided an analysis of the factors that may have …
The Determinants Of Executive Compensation In The Commercial Banking Industry, David A. Romer
The Determinants Of Executive Compensation In The Commercial Banking Industry, David A. Romer
Doctoral Dissertations
The primary purpose of this study is to examine the viability of two basic theories of compensation to explain executive compensation in the banking industry. The two executive compensation motivation theories are sales/sales growth maximization and profit/shareholder wealth maximization. Overall, strong support is found for both theories. This research also seeks to significantly expand, compared to previous research, the number of banks investigated. This study succeeds, with over a four-fold increase in the number of banks analyzed, including over 330 banks not previously used in the literature. This investigation is further motivated by the paucity of banking studies on compensation …
Three Essays On Banking And Corporate Finance, Fang Zhao
Three Essays On Banking And Corporate Finance, Fang Zhao
Doctoral Dissertations
This dissertation is composed of three essays on banking and corporate finance. The first essay studies the relationship between interest-rate derivative usage and bank lending. Using recent data that cover a full business cycle, this paper documents a direct relationship between interest-rate derivative usage by U.S. banks and growth in their commercial and industrial (C&I) loan portfolios. This positive association holds for interest-rate options contracts, forward contracts, and futures contracts. This result is consistent with the implication of Diamond's model (1984) that predicts that a bank's use of derivatives permits better management of systematic risk exposure, thereby lowering the cost …
A Model Of Trust Between Branch Managers And Loan Officers Of Indian Banks, S. Bhati
A Model Of Trust Between Branch Managers And Loan Officers Of Indian Banks, S. Bhati
Faculty of Business - Accounting & Finance Working Papers
The lending climate for banks in India is very different from those in western countries. Banks in India undertake many additional risks when they lend to customers . Also, there are a number of impediments for banks in India for recovering their loans. Some of these impediments have been put in place due to the government policies. Others have been created due to lack of proper legal protection to banks. The instrument based quantitative methods have limitations in evaluating the lending risk for banks in India because instrument based methods use variables which cannot be accurately described and measured by …