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Borrower Protection and the Supply of Credit

Borrower Protection and the Supply of Credit »

Source: Borrower Protection and the Supply of Credit : Evidence from Foreclosure Laws

Volume/Issue: 2014/212

Series: IMF Working Papers

Author(s): Jihad Dagher , and Yangfan Sun

Publisher: INTERNATIONAL MONETARY FUND

Publication Date: 26 November 2014

ISBN: 9781498367875

Keywords: Borrower protection, foreclosure laws, credit supply, regulation, GSEs, foreclosure, borrower, loan, default, Consumer Protection

Laws governing the foreclosure process can have direct consequences on the costs of foreclosure and could therefore affect lending decisions. We exploit the heterogeneity in the judicial requirements across U.S. st...

Impact of the New Financial Services Law in Bolivia on Financial Stability and Inclusion

Impact of the New Financial Services Law in Bolivia on Financial Stability and Inclusion »

Source: Impact of the New Financial Services Law in Bolivia on Financial Stability and Inclusion

Volume/Issue: 2015/267

Series: IMF Working Papers

Author(s): Dyna Heng

Publisher: INTERNATIONAL MONETARY FUND

Publication Date: 18 December 2015

ISBN: 9781513598420

Keywords: Financial Development, Financial Inclusion, credit, interest, interest rate, borrowers, financial services, Government Policy and Regulation, Enterprise Policy,

This paper examines the impact of the new financial services law in Bolivia-including credit quotas and interest rate caps-on financial stability and inclusion. So far, credit to 'targeted' sectors is growing as in...

The Use and Effectiveness of Macroprudential Policies

The Use and Effectiveness of Macroprudential Policies »

Source: The Use and Effectiveness of Macroprudential Policies : New Evidence

Volume/Issue: 2015/61

Series: IMF Working Papers

Author(s): Eugenio Cerutti , Stijn Claessens , and Luc Laeven

Publisher: INTERNATIONAL MONETARY FUND

Publication Date: 17 March 2015

ISBN: 9781498321051

Keywords: Macroprudential policies, Effectiveness, Procyclicality, credit growth, markets, monetary fund, borrower, instruments, Government Policy and Regulation, Government Policy and Regulation,

Using a recent IMF survey and expanding on previous studies, we document the use of macroprudential policies for 119 countries over the 2000-13 period, covering many instruments. Emerging economies use macroprude...

FinTech in Financial Inclusion: Machine Learning Applications in Assessing Credit Risk

FinTech in Financial Inclusion: Machine Learning Applications in Assessing Credit Risk »

Source: FinTech in Financial Inclusion: Machine Learning Applications in Assessing Credit Risk

Volume/Issue: 2019/109

Series: IMF Working Papers

Author(s): Majid Bazarbash

Publisher: INTERNATIONAL MONETARY FUND

Publication Date: 17 May 2019

ISBN: 9781498314428

Keywords: Credit risk, Credit ratings, Risk management, Credit, Interest rates, FinTech Credit, Financial Inclusion, Machine Learning, Credit Risk Assessment, outcome variable

Recent advances in digital technology and big data have allowed FinTech (financial technology) lending to emerge as a potentially promising solution to reduce the cost of credit and increase financial inclusion. Ho...

Capital Controls or Macroprudential Regulation?

Capital Controls or Macroprudential Regulation? »

Source: Capital Controls or Macroprudential Regulation?

Volume/Issue: 2015/218

Series: IMF Working Papers

Author(s): Anton Korinek , and Damiano Sandri

Publisher: INTERNATIONAL MONETARY FUND

Publication Date: 01 October 2015

ISBN: 9781513506463

Keywords: pecuniary externalities, macroprudential regulation, inequality, exchange rate, exchange, lenders, borrowers, markets, International Lending and Debt Problems, Open Economy Macroeconomics

International capital flows can create significant financial instability in emerging economies because of pecuniary externalities associated with exchange rate movements. Does this make it optimal to impose capital...

A Framework for Financial Market Development

A Framework for Financial Market Development »

Source: A Framework for Financial Market Development

Volume/Issue: 2009/156

Series: IMF Working Papers

Author(s): Ralph Chami , Sunil Sharma , and Connel Fullenkamp

Publisher: INTERNATIONAL MONETARY FUND

Publication Date: 01 July 2009

ISBN: 9781451873030

Keywords: Financial market development, contracts, borrowers, lenders, liquidity providers, regulators, New Institutional Economics, bonds, cash flows, bond

The paper proposes a framework for examining the process of financial market development. The framework, consistent with the functional view of financial system design, is anchored in studying the incentives facing...

Global Liquidity and Drivers of Cross-Border Bank Flows*

Global Liquidity and Drivers of Cross-Border Bank Flows* »

Source: Global Liquidity and Drivers of Cross-Border Bank Flows

Volume/Issue: 2014/69

Series: IMF Working Papers

Author(s): Eugenio Cerutti , Stijn Claessens , and Lev Ratnovski

Publisher: INTERNATIONAL MONETARY FUND

Publication Date: 29 April 2014

ISBN: 9781475517729

Keywords: F21, F34, G15, G18, G21, G28, banking, bank claims, bank borrowers, International Lending and Debt Problems

This paper provides a definition of global liquidity consistent with its meaning as the 'ease of financing' in international financial markets. Using a longer time series and broader sample of countries than in pre...

New Arrangements to Borrow - Proposed Renewal of and Modifications to the NAB Decision

New Arrangements to Borrow - Proposed Renewal of and Modifications to the NAB Decision »

Source: New Arrangements to Borrow - Proposed Renewal of and Modifications to the NAB Decision

Volume/Issue: 2016/061

Series: Policy Papers

Author(s): International Monetary Fund

Publisher: INTERNATIONAL MONETARY FUND

Publication Date: 21 October 2016

ISBN: 9781498345163

Keywords: Executive Board decisions, Lapse of time approval, New Arrangements to Borrow, Resource mobilization, Central banks, Financial crises, Macroprudential policies and financial stability, Monetary authorities, Credit, new participant

The Fund's decision on the New Arrangements to Borrow (the 'NAB'), as amended, (the 'NAB Decision') is subject to renewals not later than 12 months before the end of each NAB period, with the current period set to...

Update on the Mobilization of Loan Resources for PRGT Lending, Proposed Amendment to the PRGT Instrument, and Floor for the Six-Month Derived SDR Interest Rate

Update on the Mobilization of Loan Resources for PRGT Lending, Proposed Amendment to the PRGT Instrument, and Floor for the Six-Month Derived SDR Interest Rate »

Source: Update on the Mobilization of Loan Resources for PRGT Lending, Proposed Amendment to the PRGT Instrument, and Floor for the Six-Month Derived SDR Interest Rate

Volume/Issue: 2016/053

Series: Policy Papers

Author(s): International Monetary Fund

Publisher: INTERNATIONAL MONETARY FUND

Publication Date: 13 September 2016

ISBN: 9781498345309

Keywords: Borrowed resources, Borrowing agreements, Executive Board decisions, Lapse of time approval, Loans, Poverty Reduction and Growth Trust, Resource mobilization, SDR interest rates, Interest rates on loans, Interest rates

A Board-endorsed effort to raise SDR 11 billion in new Poverty Reduction and Growth Trust (PRGT) loan resources needed to sustain the Fund's concessional lending operations is well underway. Staff is now engaging w...

Poverty Reduction and Growth Trust - Borrowing Agreement with the National Bank of Belgium

Poverty Reduction and Growth Trust - Borrowing Agreement with the National Bank of Belgium »

Source: Poverty Reduction and Growth Trust - Borrowing Agreement with the National Bank of Belgium

Volume/Issue: 2012/011

Series: Policy Papers

Author(s): International Monetary Fund. Finance Dept.;International Monetary Fund. Legal Dept.;International Monetary Fund. Strategy, Policy, & Review Department

Publisher: INTERNATIONAL MONETARY FUND

Publication Date: 12 March 2012

ISBN: 9781498339605

Keywords: Belgium, Borrowed resources use, Borrowing agreements, Borrowing by Fund, National Bank of Belgium, Poverty Reduction and Growth Trust, Central banks, Interest rates, SDR interest rates, Bank accounting

Effective November 12, 2012, the Fund, as Trustee of the Poverty Reduction and Growth Trust (PRGT), entered into a borrowing agreement (the 'Agreement') with the National Bank of Belgium, by which Belgium will prov...