Resources

5 Resources for

business operations and consumer credit

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A Quantitative Theory Of Unsecured Consumer Credit With Risk Of Default: This paper study, theoretically and quantitatively, the equilibrium of an economy with unsecured consumer credit with the following features. Credit suppliers take deposits at a given interest rate and offer loans to households via a menu of credit levels and associated interest rates. The loan industry is competitive, with free...; Tags: Theory, Consumer Credit, Bankruptcy, Federal Reserve Bank Of Philadelphia, Litigation, Business Operations; White papers 2002-05-01
Establishing a Transparent Market: Early Settlement Consumer Credit Advertising Form and Content of Credit Agreements APRs on Credit Cards On-line Agreements: This white paper outlines proposals for making the provisions on early settlement fairer, simplifying the advertising regime, and making the form and content of credit agreements clearer and more transparent. These changes are necessary to bring the current legislation up to date and ensure it both reflects the ways in...; Tags: Credit Card, Settlement, Consumer Credit, Agreement, Litigation, Business Operations; White papers 2003-12-01
Fair, Clear and Competitive - The Consumer Credit Market in the 21st Century: This paper explains the need for insurance scoring. An insurance score uses information from your credit report to predict how often you are likely to file claims, and/or how expensive those claims will be. Studies have proven that credit characteristics are predictive of certain outcomes, such as insurance loss. The...; Tags: Consumer Credit, Clear, Insurance, Financial Planning, Business Operations, Corporate Insurance, Finance; White papers 2003-12-01
Sample Loan Officer Cover Letter: Use this template as a cover letter to apply for the post of loan officer. A loan officer cover letter is the applicant's opportunity to apply for a job in a popular field-finance. He or she will interview applicants, and also examines, evaluates, and authorizes or recommends approval of customer...; Tags: Job, Financial, Consumer Credit, Officer, Letter, Job Bank USA, Real Estate, Recruitment & Selection, Financial Accounting, Business Operations, Human Resources, Workforce Management, Finance; Tools & templates 2009-01-01
Paulson Shuns Direct Auto Bailout: Treasury Secretary Paulson said measures to free up consumer credit, including auto loans, would be a better use of money than buying up failed mortgages. by Jim Henry; Tags: Consumer Credit, Treasury Secretary, Paulson, Mortgages, Finance, Capital Structures, Jim Henry, Asset, Security, Loan, Asset Management, Operational Planning, Business Operations; Blog posts 2008-11-13

Additional Resources

Citigroup Takes $8 Bln in Credit Losses: By Dan Wilchins NEW YORK (Reuters UK) - Citigroup C posted a quarterly per-share loss as it suffered $8 billion (4 billion pounds) of credit losses, raising questions about when the bank can return to sustained profitability. Analysts had expected Citigroup bank to post an even bigger loss, but its...; Tags: Bank, Citigroup Inc., Loss; News items 2009-10-15
Wells Fargo Q2 2007 Earnings Call Transcript: Earnings Call ExcerptWells Fargo & Co. WFC Q2 2007 Earnings Call July 17, 2007 8:00 am ET Executives Bob Strickland - SVP & IR Howard Atkins - Sr. EVP & CFO Presentation Bob Strickland Hello, this is Bob Strickland. Thank you for calling into the Wells Fargo Second Quarter...; Tags: Wells Fargo & Co.; Earnings calls 2007-07-17
Financial Regulation and Supervision after the Crisis: The Role of the Federal Reserve: At the Federal Reserve Bank of Boston 54th Economic Conference, Chatham, MassachusettsOctober 23, 2009 The theme of the Federal Reserve Bank of Boston's Economic Conference this year–reevaluating regulatory, supervisory, and central banking policies in the wake of the crisis–is certainly timely. Not much more than a year ago, we and...; Tags: Financial, Federal Reserve Board; News items 2009-10-23
Japan Firm Orient to Tie Up with Mizuho Unit on Credit-Card Business.: Kyodo News International, Tokyo Knight Ridder/Tribune Business News Feb. 18--TOKYO -- Major consumer credit company Orient Corp. plans to integrate its credit-card issuance and card-user eligibility screening operations with those of UC Card Co., a credit-card unit of Mizuho Financial Group...; Tags: Mizuho Financial Group Inc., Orient Corp.; Research articles 2004-02-18
Delinquent Receivables, the New Wrinkle in Media Earnings -- and Worse to Come: With an economic recovery now unlikely for at least another 12 months, media execs are facing bigger problems with revenue shortfalls, mounting debt, shrinking advertising dollars and a new wrinkle -- delinquent receivables. Unpaid bills from the business that media companies do with each other are likely...; Tags: Advertisement, Financial, Earnings, Television Viewer, TVs, Tv & Home Theater, Financial Accounting, Personal Technology, Home Entertainment, Finance, Diane Mermigas; Blog posts 2009-07-20
Thai Credit Bureaus Stop Activity until Law Clarified.: By Darana Chudasri, Bangkok Post, Thailand Knight Ridder/Tribune Business News Mar. 14--The two credit bureaus -- Thai Credit Bureau and Central Credit Information Services -- will effectively cease operations starting today, the first day the country's new credit bureau law comes...; Tags: Bangkok Post, bureau, FINANCE, financial; Research articles 2003-03-14
Financial Roundup: GE Cuts, Credit Card Woes, Offshore Banking Probe, Crummy MBA Job Market: GE's Focus: Fixing Financial Unit -- Conglomerate GE is chopping away at its giant GE Capital financing unit. GE will take a charge of up to $1.4 billion to speed up shrinking the financing group through cost cuts, discontinuing some operations and decreasing leverage with reduced borrowing. GE says a...; Tags: Offshore, Job, General Electric Co., Financial, Credit Card, Banking, Outsourcing, Financial Services, It Operations, Business Operations, Outsourcing & Subcontracting, Robert Reed; Blog posts 2008-12-02
Planning and Implementing an E-commerce Strategy: E-commerce essentially means selling products and services online—but it's not as simple as it may sound. E-commerce requires a sophisticated content management system and a strategy that combines many separate elements. To begin with, e-commerce demands dedicated purchase, payment, and support systems along with customer relationship management procedures. A quality...; Tags: Web technology, E-business/E-commerce, BNET Editorial, e-commerce Web site, e-business, dot-com, strategy, CRM, professional development, payment, brand, content management system, Web site, banking, Web, marketing, sales, security, software; Articles 2007-10-25
FTC issues warning to credit repair web sites: INTERNET BUSINESS NEWS-C1995-2000 M2 COMMUNICATIONS LTD US law enforcement and consumer protection agencies have sent warnings to over 180 web sites in connection with their 'credit repair' schemes. Such schemes offer to restore customers' creditworthiness for a fee but many may violate state and federal laws....; Tags: C, FTC, Government, INTERNET, MARKETING, Web; Research articles 2000-08-23
Las Vegas Review-Journal Inside Business Column.: Las Vegas Review-Journal Knight Ridder/Tribune Business News Mar. 28--CREDIT UNION MAKES APPOINTMENTS: Silver State Schools Credit Union named GeGe Holmes consumer lending director, Mike Randall business development/education manager, Roland Poole automatic teller machines manager and Tracey Brown information technology operations ...; Tags: MARKETING, Merrill Lynch & Co. Inc., Strategy; Research articles 2003-03-28
French Firm Sees Opening in Thai Consumer-Finance Market.: By Natalie Suwanprakorn, Bangkok Post, Thailand Knight Ridder/Tribune Business News Oct. 30--The personal finance market in Thailand is large and dynamic enough to support considerable growth of consumer credit companies, according to an industry executive. Thai banks that wanted...; Tags: Bangkok Post, Thailand; Research articles 2001-10-30
Credit Card Firms Respond to Thai Fee Cap, Seek to Lift Consumer Spending.: By Darana Chudasri, Bangkok Post, Thailand Knight Ridder/Tribune Business News Nov. 8--Credit card issuers say new guidelines to cap interest rates at 18 percent to take effect on Monday will force changes in their marketing strategies and operations. The...; Tags: Bangkok Post, bank, FINANCE, MARKETING, revenue, SALES; Research articles 2002-11-08
Consumer Finance Joint Venture to Build Client Base Quickly in Thailand.: Bangkok Post, Thailand Knight Ridder/Tribune Business News Dec. 12--Capital OK, the new consumer finance joint venture owned by Shin Corp and DBS Bank, expects to attract 300,000 to 400,000 customers within its first year of operations, and looks to break even within...; Tags: Bangkok Post, bank, NETWORKING, SALES, telecommunications, Telephony, Thailand; Research articles 2003-12-12
The Evolution of the Federal Reserve's Intraday Credit Policies: Stacy Panigay Coleman, of the Board's Division of Reserve Bank Operations and Payment Systems, prepared this article. One of the Federal Reserve's roles is to provide payment services to depository institutions and to the U.S. Treasury. Many of the nation's transfers of funds--whether they are large-dollar payments for financial...; Tags: bank, board, daylight, DTCC, Federal Reserve Board, FINANCE, liquidity, payment, Reserve; Research articles 2002-02-01
Countrywide Financial Q2 2007 Earnings Call Transcript: Question-and-Answer SessionOperator Operator Instructions Your first question comes from the line of Paul Miller from Friedman, Billings, Ramsey. Please go ahead. Paul Miller - Friedman, Billings, Ramsey Thank you very much. Angelo, you've been through a lot of these different cycles out there and this doesn't seems to be...; Tags: Countrywide Financial Corp.; Earnings calls 2007-07-24