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credit and collection
(201 results)-
Tools & Templates
Credit Approval Letter
Jan 2008
Use this template to welcome and inform the new customers that their application for credit has approved, and to explain his or her credit limit and billing or credit terms.
Provided by Best Sample Letters
-
White Papers
Iron Mountain Delivers File Archiving Service
Feb 2009
For organizations struggling with data file overload, retention and discovery requirements, ESG notes that offsite archiving can offer a practical solution. In this whitepaper, ESG focuses on how...
Provided by Iron Mountain
-
White Papers
Credit Card Debt Collection Training - The Basics
Jul 2008
As a business credit card debt collection can be something very lucrative and if you have the necessary credit card debt collection training then you can be reasonably sure that you will be...
Provided by Free Articlez
-
White Papers
Business Credits - The Best Financing For Your Business
Sep 2008
The business credit is one of the most popular form of business loans. The noticeable feature of business credit is that, it is easier to get a business credit than any other forms of business...
Provided by KeepArticles.com
-
White Papers
Five Ways To Get Paid By Small Business Customers
Aug 2009
When it comes to getting paid, all customers are not created equal. It pays to focus on the high risk customers in your credit policies and in your collections process. That includes when you have...
Provided by American Express
-
White Papers
Days In Accounts Receivable Ratio: Measuring The Cash Flow Of A Business
Jan 2009
A company that provides customers credit, or that allows payments over time needs to have a good understanding of when they can be expect to be paid. Looking at historical ratios can provide...
Provided by Suite101
-
White Papers
How Much Do Collection Agencies Cost?
Jan 2010
There are two ways that collection agencies charge for their services. The first is a flat or fixed fee for services. An example would be Agency A will send out 3 letters and make one phone call...
Provided by BusinessKnowledgeSource.com
-
White Papers
Top 10 Ways To Choose A Good Collection Agency
Jan 2010
Choosing a collection agency is a very important decision and one that must be made with careful planning. This paper explains 10 things you should consider when choosing a collection agency. Does...
Provided by BusinessKnowledgeSource.com
-
White Papers
Can I Negotiate Collection Agency Rates?
Jan 2010
Finances can be difficult to manage, and when companies fail, a good percentage of that is due to finances. Poor allocation of resources, or inability to collect from customers all falls under...
Provided by BusinessKnowledgeSource.com
-
White Papers
Determining When To Call In A Collection Agency
Jan 2010
One of the more difficult aspects of owning or managing your own company is being able to determine when you should call in a credit agency to help you collect payments from customers who simply...
Provided by BusinessKnowledgeSource.com
-
White Papers
Why CFOs Eager To Fill Financing And Liquidity Gaps Are Turning To Receivables For Leverage
Jun 2010
The receivables-based financing, which encompasses asset-based loans, factoring (in which a company actually sells its invoices), and related credit mechanisms, is no panacea. Pledging receivables...
Provided by Bank of America
-
White Papers
The Profitability Of Banks in Japan: The Road To Recovery?
Nov 2009
This paper investigates the profitability of City, Trust, Regional, Second Association Regional, Shinkin and Credit Cooperative banks following the major financial crisis that affected Japan in...
Provided by City University of London (Cass)
-
White Papers
Contingency And Renegotiation Of Financial Contracts: Evidence From Private Credit Agreements
Sep 2007
Using a large random sample of private credit agreements between US publicly traded firms and financial institutions, the paper shows that over 90% of long-term debt contracts are renegotiated...
Provided by University of Pennsylvania (Wharton)
-
White Papers
Credit Risk And Business Cycle Over Different Regimes
Oct 2007
In the recent banking literature on the relationship between credit risk and business cycle, the presence of asymmetric effects both across credit risk regimes and through the business cycle has...
Provided by City University of London (Cass)
-
White Papers
Debit Cards Vs. Credit Cards: Understanding What They Are And When To Use Them
Jan 2010
Putting something on "Plastic" used to mean one thing - using your credit card. But these days, debit cards are also a big part of the "Plastic" world. Do you know the differences and which one is...
Provided by Bank of America
-
White Papers
How To Keep Your Credit Card Safe: What You Need To Do To Guard Your Card
Jan 2010
Sometimes it seems that you can't go online or open a newspaper without seeing something about identity theft or credit card fraud. And it can be frightening to think about the ingenious ways...
Provided by Bank of America
-
White Papers
Do You Need More Than One Credit Card?: Advantages And Disadvantages Of Having Multiple Credit Cards
Jan 2010
These days, it's not uncommon for people to have multiple credit cards. A study from Experian found 51% of the U.S. population has two credit cards or more. If you're thinking about applying for...
Provided by Bank of America
-
White Papers
Should You Become A Guarantor For A Credit Card?
Jan 2010
A credit card can be an important step on the path to financial independence for young adults. It is a convenient way to make purchases, and it can also help build a credit history. However, with...
Provided by Bank of America
-
White Papers
The Costs Of Cash Advances On Your Credit Card
Jan 2010
Credit card cash advance is a withdrawal of cash from your credit card through an ATM, by bank teller, by writing a check on the credit card account, or through a transfer of cash from your credit...
Provided by Bank of America
-
White Papers
New Solutions For Meeting Targets And Enhanced Events
Apr 2010
The financial crisis has prompted companies in every industry, in every country to reduce costs, improve controls and increase operational efficiency. Many organisations, for example, have taken...
Provided by Citigroup
-
White Papers
Professionalism And Pragmatism In Cards Programme Implementation
Apr 2010
Implementing a Travel and Entertainment (T&E) cards programme brings advantages to finance managers, travel managers and employees. T&E card programmes deliver convenience to cardholders, enhance...
Provided by Citigroup
-
White Papers
The New Generation Of Commercial Cards
Jan 2010
Commercial cards, such as T&E (travel and entertainment) and purchasing cards have become increasingly popular as finance managers recognise the benefits of greater spending control and ease of...
Provided by Citigroup
-
White Papers
Proper Credit Policies & Procedures Can Help Minimize Your Cash Flow Risk
Nov 2009
Along with slowing sales, many small businesses are encountering difficulty collecting on money that is owed to their business. A recent Intuit Payroll Survey of over 1000 small businesses...
Provided by American Express
-
White Papers
The How, When And Why Of Extending Trade Credit
Aug 2010
Trade credit is the largest form of short term business financing. In a sense, it's peer to peer lending - businesses helping each other. Of course, it's not all altruistic, without trade credit,...
Provided by American Express
-
White Papers
Crowding Out Bad Debt
Aug 2010
The only thing worse than having no customers is having bozos who don't pay their bills. As a small business owner, you can't afford to work with companies that string you along for payment. Short...
Provided by American Express
-
White Papers
How To Make Collection Calls That Keep Customer Relationships
Apr 2010
Collections is the process of completing the sale, according to Abe WalkingBear Sanchez. As the endorsed Credit Consultant to the 4,500 combined members of STAFDA and PEI trade organizations, he...
Provided by American Express
-
White Papers
Minimizing Late Payments To Maximize Your Cash Flow
Mar 2010
Don't allow late payments to skew your cash flow. If you find that a payment due to you is late, don't let it dangle in the wind. Contact them and see what the issue is and whether or not you can...
Provided by American Express
-
White Papers
40 Tips To Accelerate Your Cash Flow
Mar 2010
Business is actually quite simple - generate positive cash flow, and hopefully lots of it. In practice, however, it is a little harder to accomplish. Invoice on-time because every day you are late...
Provided by American Express
-
White Papers
How To Design Credit Policies
Mar 2010
When designing your company's credit policies, focus on supporting your company's goals. Most likely, you'll want to increase sales, market share, and profits. First, figure out the route you'll...
Provided by American Express
-
White Papers
Here Comes Good News For Credit-Starved Small Businesses
Feb 2010
One of the biggest challenges facing small businesses today is the availability of credit. Various surveys have confirmed that while banks have tentatively become more willing to extend credit,...
Provided by American Express
-
White Papers
How Has The Monetary Transmission Mechanism Evolved Over Time?
Apr 2010
The author discusses the evolution in macroeconomic thought on the monetary policy transmission mechanism and present related empirical evidence. The core channels of policy transmission - the...
Provided by Board of Governors of the Federal Reserve System
-
White Papers
Implications Of Behavioral Research For The Use And Regulation Of Consumer Credit Products
Mar 2010
This paper reviews the behavioral literature on inter-temporal choice and decision making under uncertainty and assesses the evidence on behavioral influences affecting consumers' credit...
Provided by Board of Governors of the Federal Reserve System
-
White Papers
Credit Where None Is Due? Authorized User Account Status And "Piggybacking Credit"
Mar 2010
An "Authorized user" is a person who is permitted by a revolving account holder to use an account without being legally liable for any charges incurred. The Federal Reserve's Regulation B, which...
Provided by Board of Governors of the Federal Reserve System
-
White Papers
Credit Card Redlining Revisited
Sep 2009
Using a proprietary dataset of credit bureau records, Cohen-Cole (2008) finds that banks set credit limits on revolving accounts based in part on the racial composition of the neighborhood in...
Provided by Board of Governors of the Federal Reserve System
-
White Papers
A Model In Which Outside And Inside Money Are Essential
Oct 2006
The fact that credit relationships among individuals are an alternative to money as a means of exchange provides a challenge to any model of money. If credit relationships are rich enough, money...
Provided by Board of Governors of the Federal Reserve System
-
White Papers
Requirements And Prospects For A New Time To Payoff Disclosure For Open End Credit Under Truth In Lending
Jul 2006
The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (Public Law 109-8, April 2005) made significant changes to procedures for managing consumer bankruptcy petitions, but it also...
Provided by Board of Governors of the Federal Reserve System
-
White Papers
Treasury Single Account: Concept, Design, And Implementation Issues
May 2010
A treasury single account (TSA) is an essential tool for consolidating and managing governments' cash resources, thus minimizing borrowing costs. In countries with fragmented government banking...
Provided by International Monetary Fund
-
White Papers
Beyond Aid: How Much Should African Countries Pay To Borrow?
Jun 2010
Post debt relief, the number of African countries considering accessing international capital markets, often to fund large infrastructure projects, is increasing. Potential risks of capital...
Provided by International Monetary Fund
-
White Papers
Cross-Border Financial Surveillance: A Network Perspective
Apr 2010
Effective cross-border financial surveillance requires the monitoring of direct and indirect systemic linkages. This paper illustrates how network analysis could make a significant contribution in...
Provided by International Monetary Fund
-
White Papers
Credit Conditions And Recoveries From Recessions Associated With Financial Crises
Mar 2010
Recoveries from recessions associated with a financial crisis tend to be sluggish. This paper presents evidence that stressed credit conditions are an important factor constraining the pace of...
Provided by International Monetary Fund
-
Podcasts
Reinventing Business with Next-Generation Social Collaboration in the Cloud
Apr 2012
As the benefits of social business become clear and the case for social business grows more compelling, enterprises are looking for approaches that allow them to cost-effectively roll out these...
Provided by IBM
-
Webcasts
When Good Backups Go Bad
Jul 2011
This webcast addresses the top reasons backups fail, the repercussions of those failures, and why it doesn't have to be this way. Attendees will attain a broad understanding of backup and data...
Provided by Symantec
-
White Papers
Advanced Data Recovery for Midsize Companies
Apr 2011
Even if your company doesn't have hundreds of offices and thousands of employees, you're still under the same pressures to maintain access to critical information to keep your business running and...
Provided by IBM
-
White Papers
Which Bank Is The "Central" Bank?: An Application Of Markov Theory To The Canadian Large Value Transfer System
Feb 2008
In a modern financial system the importance of a given institution depends on both its individual characteristics as well as the nature of its relationships with other financial institutions. In...
Provided by Federal Reserve Bank of New York
-
White Papers
A Model Of Tiered Settlement Networks
Nov 2008
This paper develops a model of settlement system to study the endogenous structure of settlement networks, and the welfare consequences of clearing agent failure. The equilibrium degree of tiering...
Provided by Bank of Canada
-
White Papers
Credit Card Debt And Payment Use
May 2008
Approximately half of credit card holders in the United States regularly carry unpaid credit card debt. These so-called "Revolvers" exhibit payment behavior that differs from that of those who...
Provided by Regents of the University of California
-
White Papers
Optimizing Subprime Auto Finance Collections: New Strategies And Technologies For CFOs
May 2009
Auto finance companies serving the subprime market have therefore become crucial to the economy. They help consumers buy cars and provide them with the opportunity to improve their credit ratings...
Provided by iMetrik.com
-
White Papers
Case Study: Bank of the West Approves Commercial Loans in One Day
Dec 2010
Bank of the West reduced loan process times to one day and expects to save US$1.5 million over five years as the bank has automated loan origination and approval process to accelerate processing...
Provided by IBM
-
White Papers
Credit & Collections For Small Business
Oct 2009
Whether to extend credit to customers can be a difficult decision for a small business owner. In most cases, if you're considering whether or not to do so, you probably don't really have an...
Provided by BluePoint Security
-
White Papers
Commercial Credit & Collections Scoring - Part I & II
Oct 2006
When one looks at credit and collections scoring and its adoption rates thus far by trade credit professionals, a number of questions arise. Why have other forms of lending moved ahead so quickly...
Provided by Profitera
-
White Papers
Regulate Microcredit To Protect Borrowers
Sep 2009
The author's investigate gender differences in insider trading behavior of senior corporate executives in the U.S. between 1975 and 2008. It's found that, on average, both female and male...
Provided by University of Michigan (Ross)
-
Webcasts
Top Five: Collecting Late Payments
Oct 2010
Collecting all of your outstanding invoices is important to your company's survival especially in an uncertain economy. Here are five tips for collecting late payments courtesy of Bloomberg...
Provided by American Express
-
White Papers
OSA - Brochure: IBM workload optimized systems - Integrating software, hardware and services for better performance at lower cost
Aug 2010
"In today's fast paced world of business, it pays to have a point of difference. While some businesses look to their data for insights, they do so with run-of-the-mill system and make no gains at...
Provided by IBM
-
White Papers
DMI DB2 - eBook: 3 Ways to Optimize Your Infrastructure Without Cutting Corners
Nov 2010
To be competitive today, businesses need to find new ways to cut costs without cutting projects or jobs. As data is the backbone of nearly every business, optimizing your IT infrastructure can...
Provided by IBM
-
White Papers
Pulitzer Prize-Winner Addresses Financial Crisis During Kellogg Distinguished Lecture
Nov 2008
When news of a subprime mortgage crisis first leaked in 2006, Wall Street Journal columnist James B. Stewart, like any good journalist, went out to investigate. While researching the subject,...
Provided by Northwestern University (Kellogg)
-
White Papers
Credit Flows, Fiscal Policy, And The External Deficit Of Bosnia And Herzegovina
Dec 2006
This paper develops and estimates a model of the trade balance of Bosnia and Herzegovina. Credit flows and the fiscal stance are found to play a significant role in determining the trade balance....
Provided by International Monetary Fund
-
White Papers
Portfolio Credit Risk And Macroeconomic Shocks: Applications To Stress Testing Under Data-Restricted Environments
Dec 2006
Portfolio credit risk measurement is greatly affected by data constraints, especially when focusing on loans given to unlisted firms. Standard methodologies adopt convenient, but not necessarily...
Provided by International Monetary Fund
-
White Papers
Policy Credibility And Sovereign Credit-The Case Of New EU Member States
Jan 2007
References to policy credibility, particularly with regard to fiscal policy, are ubiquitous in both economic literature and financial markets, even though it is not directly observable. The case...
Provided by International Monetary Fund
-
White Papers
The Use Of Mortgage Covered Bonds
Jan 2007
The rapid mortgage credit growth experienced in recent years in mature and emerging countries has raised some stability concerns. Many European credit institutions in mature markets have reacted...
Provided by International Monetary Fund
-
White Papers
Small Business Access To Credit: Yesterday, Today And Tomorrow
Oct 2008
Small business access to credit has been turned upside down in the United States over the last 30 years. It has moved from a difficult problem for small business owners and managers as a group to...
Provided by Entreprenorskaps Forum
-
White Papers
An Anatomy Of Credit Booms: Evidence From Macro Aggregates And Micro Data
Sep 2008
This paper studies the characteristics of credit booms in emerging and industrial economies. Macro data show a systematic relationship between credit booms and economic expansions, rising asset...
Provided by International Monetary Fund
-
White Papers
The Costs Of Sovereign Default
Oct 2008
This paper evaluates empirically four types of cost that may result from an international sovereign default: reputational costs, international trade exclusion costs, costs to the domestic economy...
Provided by International Monetary Fund
-
White Papers
Counterparty Risk In The Over-The-Counter Derivatives Market
Nov 2008
The financial market turmoil of recent months has highlighted the importance of counterparty risk. Here, the authors discuss counterparty risk that may stem from the OTC derivatives markets and...
Provided by International Monetary Fund
-
White Papers
Is It (Still) Mostly Fiscal? Determinants Of Sovereign Spreads In Emerging Markets
Nov 2008
Using a panel of 30 emerging market economies from 1997 to 2007, this paper investigates the determinants of country risk premiums as measured by sovereign bond spreads. Unlike previous studies,...
Provided by International Monetary Fund
-
White Papers
Do Financial Sector Reforms Lead To Financial Development? Evidence From A New Dataset
Dec 2008
This paper studies whether the policies that, over the past decades, liberalized banking systems around the world have resulted in deeper credit markets. To measure banking sector reforms the...
Provided by International Monetary Fund
-
White Papers
A New Database Of Financial Reforms
Dec 2008
This paper introduces a new database of financial reforms, covering 91 economies over 1973 - 2005. It describes the content of the database, the information sources utilized, and the coding rules...
Provided by International Monetary Fund
-
White Papers
Is Monetary Policy Effective When Credit Is Low?
Dec 2008
Monetary policy, at least in part, operates through both an interest rate and credit channel. The question arises, therefore, whether monetary policy is a less potent a device in affecting output...
Provided by International Monetary Fund
-
White Papers
The Volatility Costs Of Procyclical Lending Standards: An Assessment Using A DSGE Model
Mar 2009
The ongoing financial turmoil has triggered a lively debate on ways of containing systemic risk and lessening the likelihood of boom-and-bust episodes in credit markets. Particularly, it has been...
Provided by International Monetary Fund
-
White Papers
Sovereign Default, Private Sector Creditors And The IFIs
Mar 2009
This paper builds a model of a sovereign borrower that has access to credit from private sector creditors and an IFI. Private sector creditors and the IFI offer different debt contracts that are...
Provided by International Monetary Fund
-
White Papers
Credit Market In Morocco: A Disequilibrium Approach
Mar 2009
In this paper the author uses a disequilibrium framework common in the "Credit crunch" literature, first to examine whether the slow credit growth in Morocco during the rapid expansion of...
Provided by International Monetary Fund
-
White Papers
The Use (And Abuse) Of CDS Spreads During Distress
Mar 2009
Credit Default Swap spreads have been used as a leading indicator of distress. Default probabilities can be extracted from CDS spreads, but during distress it is important to take account of the...
Provided by International Monetary Fund
-
White Papers
Estimating Default Frequencies And Macrofinancial Linkages In The Mexican Banking Sector
May 2009
The credit risk measures the author develops in this paper are used to investigate macrofinancial linkages in the Mexican banking system. Domestic and external macro-financial variables are found...
Provided by International Monetary Fund
-
White Papers
Credit Risk Spreads In Local And Foreign Currencies
May 2009
The paper shows how - in a Merton-type model with bankruptcy - the currency composition of debt changes the risk profile of a company raising a given amount of financing, and thus affects the cost...
Provided by International Monetary Fund
-
White Papers
The Systemic Regulation Of Credit Rating Agencies And Rated Markets
Jun 2009
Credit ratings have contributed to the current financial crisis. Proposals to regulate credit rating agencies focus on micro-prudential issues and aim at reducing conflicts of interest and...
Provided by International Monetary Fund
-
Webcasts
The Credit Crisis: Perspectives From An Academic And Practitioner
Jan 2010
Maureen O'Hara is the Robert Purcell Professor of Management at the Johnson School of Cornell University. She has served as president of the American Finance Association and Executive editor of...
Provided by University of Notre Dame (Mendoza)
-
White Papers
Recent Advances In Credit Risk Modeling
Aug 2009
As is well known, most models of credit risk have failed to measure the credit risks in the context of the global financial crisis. In this context, financial industry representatives, regulators...
Provided by International Monetary Fund
-
Webcasts
Securitization Without Risk Transfer
Jan 2010
Philipp Schnabl received his Ph.D. from Harvard University and joined New York University Stern School of Business as an Assistant Professor of Finance in August 2008. Professor Schnabl's main...
Provided by University of Notre Dame (Mendoza)
-
Webcasts
Credit Default Swaps And The Empty Creditor Problem
Jan 2010
Martin Oehmke received his BA from Oxford in 2002 and his Ph.D. from Princeton in 2009. He currently teaches Capital Markets and Investments at Columbia Business School. Professor Oehmke's...
Provided by University of Notre Dame (Mendoza)
-
Webcasts
Mutualization Of Default Risk
Jan 2010
Craig Pirrong holds a Ph.D. in business economics from the University of Chicago. He joined the faculty of the Bauer College of Business at the University of Houston as Professor of Finance and...
Provided by University of Notre Dame (Mendoza)
-
Webcasts
Stanislava Nikolova From The SEC Discusses Ingo Fender's Paper
Jan 2010
Stanislava Nikolova joined the Office of Economic Analysis at the SEC in August 2008 as a visiting academic scholar. Dr. Nikolova is currently on leave from George Mason University, where she is...
Provided by University of Notre Dame (Mendoza)
-
Webcasts
When Good Backups Go Bad
Jul 2011
This webcast addresses the top reasons backups fail, the repercussions of those failures, and why it doesn't have to be this way. Attendees will attain a broad understanding of backup and data...
Provided by Symantec
-
Tools & Templates
Apology For Late Payment
Jan 2008
Use this template to express apology for late payment.
Provided by LetterPremier.com
-
White Papers
Iron Mountain Delivers File Archiving Service
Feb 2009
For organizations struggling with data file overload, retention and discovery requirements, ESG notes that offsite archiving can offer a practical solution. In this whitepaper, ESG focuses on how...
Provided by Iron Mountain
-
White Papers
Credit Card Debt Collection Training - The Basics
Jul 2008
As a business credit card debt collection can be something very lucrative and if you have the necessary credit card debt collection training then you can be reasonably sure that you will be...
Provided by Free Articlez
-
White Papers
Business Credits - The Best Financing For Your Business
Sep 2008
The business credit is one of the most popular form of business loans. The noticeable feature of business credit is that, it is easier to get a business credit than any other forms of business...
Provided by KeepArticles.com
-
White Papers
Five Ways To Get Paid By Small Business Customers
Aug 2009
When it comes to getting paid, all customers are not created equal. It pays to focus on the high risk customers in your credit policies and in your collections process. That includes when you have...
Provided by American Express
-
White Papers
Days In Accounts Receivable Ratio: Measuring The Cash Flow Of A Business
Jan 2009
A company that provides customers credit, or that allows payments over time needs to have a good understanding of when they can be expect to be paid. Looking at historical ratios can provide...
Provided by Suite101
-
White Papers
How Much Do Collection Agencies Cost?
Jan 2010
There are two ways that collection agencies charge for their services. The first is a flat or fixed fee for services. An example would be Agency A will send out 3 letters and make one phone call...
Provided by BusinessKnowledgeSource.com
-
White Papers
Top 10 Ways To Choose A Good Collection Agency
Jan 2010
Choosing a collection agency is a very important decision and one that must be made with careful planning. This paper explains 10 things you should consider when choosing a collection agency. Does...
Provided by BusinessKnowledgeSource.com
-
White Papers
Can I Negotiate Collection Agency Rates?
Jan 2010
Finances can be difficult to manage, and when companies fail, a good percentage of that is due to finances. Poor allocation of resources, or inability to collect from customers all falls under...
Provided by BusinessKnowledgeSource.com
-
White Papers
Determining When To Call In A Collection Agency
Jan 2010
One of the more difficult aspects of owning or managing your own company is being able to determine when you should call in a credit agency to help you collect payments from customers who simply...
Provided by BusinessKnowledgeSource.com
-
White Papers
Why CFOs Eager To Fill Financing And Liquidity Gaps Are Turning To Receivables For Leverage
Jun 2010
The receivables-based financing, which encompasses asset-based loans, factoring (in which a company actually sells its invoices), and related credit mechanisms, is no panacea. Pledging receivables...
Provided by Bank of America
-
White Papers
The Profitability Of Banks in Japan: The Road To Recovery?
Nov 2009
This paper investigates the profitability of City, Trust, Regional, Second Association Regional, Shinkin and Credit Cooperative banks following the major financial crisis that affected Japan in...
Provided by City University of London (Cass)
-
White Papers
Contingency And Renegotiation Of Financial Contracts: Evidence From Private Credit Agreements
Sep 2007
Using a large random sample of private credit agreements between US publicly traded firms and financial institutions, the paper shows that over 90% of long-term debt contracts are renegotiated...
Provided by University of Pennsylvania (Wharton)
-
White Papers
Credit Risk And Business Cycle Over Different Regimes
Oct 2007
In the recent banking literature on the relationship between credit risk and business cycle, the presence of asymmetric effects both across credit risk regimes and through the business cycle has...
Provided by City University of London (Cass)
-
White Papers
Debit Cards Vs. Credit Cards: Understanding What They Are And When To Use Them
Jan 2010
Putting something on "Plastic" used to mean one thing - using your credit card. But these days, debit cards are also a big part of the "Plastic" world. Do you know the differences and which one is...
Provided by Bank of America
-
White Papers
How To Keep Your Credit Card Safe: What You Need To Do To Guard Your Card
Jan 2010
Sometimes it seems that you can't go online or open a newspaper without seeing something about identity theft or credit card fraud. And it can be frightening to think about the ingenious ways...
Provided by Bank of America
-
White Papers
Do You Need More Than One Credit Card?: Advantages And Disadvantages Of Having Multiple Credit Cards
Jan 2010
These days, it's not uncommon for people to have multiple credit cards. A study from Experian found 51% of the U.S. population has two credit cards or more. If you're thinking about applying for...
Provided by Bank of America
-
White Papers
Should You Become A Guarantor For A Credit Card?
Jan 2010
A credit card can be an important step on the path to financial independence for young adults. It is a convenient way to make purchases, and it can also help build a credit history. However, with...
Provided by Bank of America
-
White Papers
The Costs Of Cash Advances On Your Credit Card
Jan 2010
Credit card cash advance is a withdrawal of cash from your credit card through an ATM, by bank teller, by writing a check on the credit card account, or through a transfer of cash from your credit...
Provided by Bank of America
-
White Papers
New Solutions For Meeting Targets And Enhanced Events
Apr 2010
The financial crisis has prompted companies in every industry, in every country to reduce costs, improve controls and increase operational efficiency. Many organisations, for example, have taken...
Provided by Citigroup
-
White Papers
Professionalism And Pragmatism In Cards Programme Implementation
Apr 2010
Implementing a Travel and Entertainment (T&E) cards programme brings advantages to finance managers, travel managers and employees. T&E card programmes deliver convenience to cardholders, enhance...
Provided by Citigroup
-
White Papers
The New Generation Of Commercial Cards
Jan 2010
Commercial cards, such as T&E (travel and entertainment) and purchasing cards have become increasingly popular as finance managers recognise the benefits of greater spending control and ease of...
Provided by Citigroup
-
White Papers
Proper Credit Policies & Procedures Can Help Minimize Your Cash Flow Risk
Nov 2009
Along with slowing sales, many small businesses are encountering difficulty collecting on money that is owed to their business. A recent Intuit Payroll Survey of over 1000 small businesses...
Provided by American Express
-
White Papers
The How, When And Why Of Extending Trade Credit
Aug 2010
Trade credit is the largest form of short term business financing. In a sense, it's peer to peer lending - businesses helping each other. Of course, it's not all altruistic, without trade credit,...
Provided by American Express
-
White Papers
Crowding Out Bad Debt
Aug 2010
The only thing worse than having no customers is having bozos who don't pay their bills. As a small business owner, you can't afford to work with companies that string you along for payment. Short...
Provided by American Express
-
White Papers
How To Make Collection Calls That Keep Customer Relationships
Apr 2010
Collections is the process of completing the sale, according to Abe WalkingBear Sanchez. As the endorsed Credit Consultant to the 4,500 combined members of STAFDA and PEI trade organizations, he...
Provided by American Express
-
White Papers
Minimizing Late Payments To Maximize Your Cash Flow
Mar 2010
Don't allow late payments to skew your cash flow. If you find that a payment due to you is late, don't let it dangle in the wind. Contact them and see what the issue is and whether or not you can...
Provided by American Express
-
White Papers
40 Tips To Accelerate Your Cash Flow
Mar 2010
Business is actually quite simple - generate positive cash flow, and hopefully lots of it. In practice, however, it is a little harder to accomplish. Invoice on-time because every day you are late...
Provided by American Express
-
White Papers
How To Design Credit Policies
Mar 2010
When designing your company's credit policies, focus on supporting your company's goals. Most likely, you'll want to increase sales, market share, and profits. First, figure out the route you'll...
Provided by American Express
-
White Papers
Here Comes Good News For Credit-Starved Small Businesses
Feb 2010
One of the biggest challenges facing small businesses today is the availability of credit. Various surveys have confirmed that while banks have tentatively become more willing to extend credit,...
Provided by American Express
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White Papers
How Has The Monetary Transmission Mechanism Evolved Over Time?
Apr 2010
The author discusses the evolution in macroeconomic thought on the monetary policy transmission mechanism and present related empirical evidence. The core channels of policy transmission - the...
Provided by Board of Governors of the Federal Reserve System
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White Papers
Implications Of Behavioral Research For The Use And Regulation Of Consumer Credit Products
Mar 2010
This paper reviews the behavioral literature on inter-temporal choice and decision making under uncertainty and assesses the evidence on behavioral influences affecting consumers' credit...
Provided by Board of Governors of the Federal Reserve System
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White Papers
Credit Where None Is Due? Authorized User Account Status And "Piggybacking Credit"
Mar 2010
An "Authorized user" is a person who is permitted by a revolving account holder to use an account without being legally liable for any charges incurred. The Federal Reserve's Regulation B, which...
Provided by Board of Governors of the Federal Reserve System
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White Papers
Credit Card Redlining Revisited
Sep 2009
Using a proprietary dataset of credit bureau records, Cohen-Cole (2008) finds that banks set credit limits on revolving accounts based in part on the racial composition of the neighborhood in...
Provided by Board of Governors of the Federal Reserve System
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White Papers
A Model In Which Outside And Inside Money Are Essential
Oct 2006
The fact that credit relationships among individuals are an alternative to money as a means of exchange provides a challenge to any model of money. If credit relationships are rich enough, money...
Provided by Board of Governors of the Federal Reserve System
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White Papers
Requirements And Prospects For A New Time To Payoff Disclosure For Open End Credit Under Truth In Lending
Jul 2006
The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (Public Law 109-8, April 2005) made significant changes to procedures for managing consumer bankruptcy petitions, but it also...
Provided by Board of Governors of the Federal Reserve System
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White Papers
Treasury Single Account: Concept, Design, And Implementation Issues
May 2010
A treasury single account (TSA) is an essential tool for consolidating and managing governments' cash resources, thus minimizing borrowing costs. In countries with fragmented government banking...
Provided by International Monetary Fund
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White Papers
Beyond Aid: How Much Should African Countries Pay To Borrow?
Jun 2010
Post debt relief, the number of African countries considering accessing international capital markets, often to fund large infrastructure projects, is increasing. Potential risks of capital...
Provided by International Monetary Fund
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White Papers
Cross-Border Financial Surveillance: A Network Perspective
Apr 2010
Effective cross-border financial surveillance requires the monitoring of direct and indirect systemic linkages. This paper illustrates how network analysis could make a significant contribution in...
Provided by International Monetary Fund
