What are the major expenses associated with making consumer loans? What is the average size of consumer installment loans at small banks? How does loan size affect loan rates that banks charge on consumer loans?

Q: What are the factors that may influence the use of money vs credit cards?

A: There are several factors that influence someone's decision to buy goods or services through money…

Q: What is subprime lending, it's advantages & disadvantages? with real life examples

A: Subprime lending is a type of loan that is offered to individuals with less than ideal credit…

Q: Explain the possible IFRS treatment of bank loans.

A: IFRS is international finance reporting standards will replace with Accounting standards 39.

Q: Why do federally guaranteed loans usually have the least risk for banks, List some popular…

A: Federal guaranteed loans are loans that are backed by the federal government, which means that the…

Q: Nowadays, lenders are using credit scoring tool to analyze consumer loans. Discuss its advantageous.

A: Introduction : A credit scoring model can be understood as the risk management instrument that…

Q: What is the difference between Investment Banks and regular Banks? explain one small paragraph.

A: Introduction: Investment banks are those banks that are specialize in providing institutional bodies…

Q: The financial performance of both Commercial Banks and Savings Banks is measured using the Net…

A: The net interest margin is referred as the net benefit of lending which derived from the lending and…

Q: How does commercial paper differ from a bank loan? Why is the interest rate often less for…

A: Commercial PaperCommercial paper is promissory notes that represent loans issued by the companies.…

Q: Question 2 a) Explain the following different types of credit advances and when firms use it (i)…

A: As per the Honor code of Bartleby we are bound to given the answer of first three sub part only,…

Q: What is the advantage of a variable-interest loan? Protects the borrower from rising interest rates…

A: Cost Accounting: It is the process of collecting, recording, analyzing the cost, summarizing cost,…

Q: about a business wo

A: Before making a loan to a borrower, banks examine the firm's key financial figures. To establish the…

Q: Imagine that you are in the position of buying loans in the secondary market (that is, buying the…

A: Banks generally prefer secondary markets for lending purposes so that they can always have the funds…

Q: hich of the following is not a way in which banks lend short-term unsecured loans? a. Through a…

A: Banks give short term credits to the business to increase the business and grow business and provide…

Q: Which interest rate is used on very short term loans from one bank to another? A. PRIME INTEREST…

A: The banks lend money to the general public, and can also lend money to one another (between banks),…

Q: Finance companies specialize in making loáns to__. banks corporations O small businesses O…

A: Finance Companies are those entities that provides financial and investment services. Such entities…

Q: Suppose a bank offered to make loans to potential borrowers without checking their credit history.…

A: The banks generate their income mainly from the difference between the lending rate and the rate…

Q: How has the credit crisis May have adversely affected many homeowners and mortgage companies?

A: Homeowners insurance policies are defined as the type of an insurance policies, which usually covers…

Q: You will discuss credit from the lenders point of view. What factors do lenders consider when making…

A: A credit score is a numerical representation of a person's creditworthiness and indicates how well…

Q: How do banks use your credit reports? Sight an example to illustrate the answer

A: Answer: As per Q/A guidelines, first question has been answered. please repost remaining questions…

Q: Why are credits and debits different for banks compared for personal finance usage?

A: In personal account, all expenses, assets, and losses will be debited. All incomes, liabilities, and…

Q: credit cards O Personal Loans O Consolidated Loans O Home Equity Loans O Student Loans use the…

A: A loan is a sum of money that is borrowed from a lender with the expectation that it will be paid…

Q: Describe the role of mortgage bankers and how they earn profits?

A: Mortgage Bankers are people or intermediaries within financial institutions who helped in the…

Q: What is the real interest rate on your savings account?

A: Real Interest Rate = Nominal Interest Rate − Inflation Rate

Q: Do you think that IFRS 9 may make loans more expensive for borrowers?  Implementation of IFRS 9 will…

A: IFRS 9 follows the expected credit loss model, which regulated the provisioning to be done by the…

Q: Why are the banks reluctant to lend, and what should be done to increase bank lending?

A: Banks generally borrow and lend cash in the interbank loaning market so as to oversee the liquidity…

Q: If a consumer with a relatively low credit score applied for a loan from your bank, what other…

A: WHAT IS CREDIT CRITERIA- Credit criteria area unit the factors employed by lenders to work out…

Q: In managing credit risk for banks what are the two main concerns that banks have when lending money?…

A: Credit risk: It is the risk involved in receiving the interest and principal payments from the…

Q: What is a common method used by banks to account for the interest income on loans that

A: The most common method used by banks to account for the interest income on loans that considers…

Q: is a financial product that allows an individual to lend their money to a bank A and be paid an…

A: A savings account is a financial product that allows an individual to lend their money to a bank and…

Q: What are the advantages and disadvantages of direct lending for the bank? How are banks reducing the…

A: Direct lending refers to a type of lending that is provided directly by the lender, such as a bank,…

Q: What are the advantages and disadvantages of direct lending for the consumer? What can banks do to…

A: Direct lending refers to a type of lending that is provided directly by the lender, such as a bank,…

Q: What can you do if you cannot pay your credit bills?

A: Billing statement is defined as a periodic statement used to list all the payments, purchases,…

Q: The interest rate that banks provide to the customers for the savings deposit account is more than…

A: The bank provides different types of rates on different types of investment.

Q: nt stud

A: Introduction : In simple words, student loans refers to the amount borrowed by individuals to…

Q: How does peer to peer lending is different from traditional banking lending for Credit Mutuel Group?

A: Peer-to-peer lending is a type of crowd-funding that allows those who wish to invest to lend money…

Q: Which interest rate is used on very short-term loans from one bank to another?   A. Prime interest…

A: The federal funds rate is the FOMC’s target coupon rate at which commercial banks borrow and loan…

Q: how banks can improve their services like deposits ?

A: Deposit is a primary service that is offered by banks to their customers. Deposits provide interest…

Q: According to the FDIC, they would like to see fewer banks in the future. What will be the outcome…

A: FDIC mentions in its latest report that they will see lesser banks in the future , the explanation…

Q: Why is the Fed’s discount window considered the “lender of last resort” for some banks?

A: The “discount window” refers to the facilities that central banks are offering to commercial banks…

Q: hat may a person lose in addition to the goods if she or he fails to keep up the payments on a…

A: A loan is referred as the amount provided to one party to another where the principal amount with…