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Adapting lending policies in a ‘negative-for-long’ scenario

BankUnderground

In a recent paper we explore the effect on bank lending by combining data on exposure to negative rates with banks’ balance sheets, the Spanish credit register and firms’ balance sheets. This effect was especially strong for undercapitalised banks and lending to risky firms. Why might negative rates work differently?

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Fintech Deals to Watch: Growing in the Digital World

Gonzobanker

Mark Cuban is tweeting about Jill Castilla’s fintech efforts with lending system startup Teslar. Lastly, at this writing, Rockbridge Growth Equity (ties to Rocket Mortgage ) and CU Solutions Group acquired database marketing provider Marquis from Falfurrias Capital. Fintech investing has gained near sport status. OK, me neither.

Fintech 213
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Le Pont de Londres: monetary policy spillovers, prudential policies and the financial centre effect

BankUnderground

Large amounts of capital flow across borders. Our case study of French banks operating in London – part of a broader international initiative – suggests prudential policies have a much bigger offsetting effect on French banks’ lending out of the UK’s financial centre than on their lending out of headquarters in France.

Policies 102
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Risk of Derivatives – The Fall of an Index

South State Correspondent

Barings Bank, Orange County (CA), Enron, Long-Term Capital Management, and other entities misused derivatives or didn’t understand the difference between hedging and speculating. Conclusion The BSBY case study highlights one of the often-overlooked risks of derivatives.

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Improving Small Business Lending: Q&A with Ascentium

FICO

Ascentium Capital, an innovative commercial lender, wanted to expand its growing small business portfolio while keeping risk in check. I recently had the chance to speak with Chris Miller, VP of Decision Analytics at Ascentium, on how the company makes quick lending decisions for its small business customers.

Lending 64
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What Brexit Uncertainty Will Mean For Ireland’s FinServ Future

PYMNTS

The Brexit saga is a case study in uncertainty ever since then-British Prime Minister David Cameron stepped down June 24, 2016, the day after the referendum vote unexpectedly ruled in favor of leaving the European Union. Bank lending to business has hit its l owest level in two years. With Brexit’s Oct.

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Finastra and Visa announce global BaaS offering integrating Visa Direct

Bobsguide

Together, we are bringing benefits of our global network to thousands of banks globally, providing a wide range of new and existing case studies to clients.”. “We are excited to partner with Finastra to support the enablement of their bank customers worldwide with simple access to Visa Direct. Global Head of PR. T +44 (0)7917 613586.