scholarly journals Evidence from Supervisory Measures for Bank Lending and Npls Control During COVID 19 Crisis

2021 ◽  
Vol 9 (12) ◽  
pp. 223-237
Author(s):  
Rosaria Cerrone
Keyword(s):  
Public Policy ◽  
Bank Lending ◽  
The State ◽  
Policy Responses ◽  
Loan Portfolios ◽  
The Future ◽  
Loan Terms ◽  
Earnings Reduction ◽  
The Impact

The highest impact of Covid-19 crisis on banks is related to their loan portfolios where many borrowers are facing sharp collapse in their income, and difficulty in repaying their obligations. Regulatory and supervisory authorities have issued statements or guidelines to banks on how to deal with the impact of the outbreak, including relation to easing loan terms and conditions for impacted borrowers. This paper aims to provide some policy views on the appropriate response to Covid-19. Supervisors and regulators should play an integral part contributing to public policy responses to the pandemic. Consistent with their mandate of ensuring safety and soundness, supervisors’ action requires a balancing act where banks are encouraged to restructure loans and use the flexibility embedded in the prudential framework by financing viable firms. This paper presents the state of arts and some considerations about the future banks’ conditions facing NPLs increase and their earnings reduction.

For the sake of the children? Children, domestic violence and public policy

2007 ◽  
Vol 32 (3) ◽  
pp. 6-12
Author(s):  
Suellen Murray ◽  
Anastasia Powell
Keyword(s):  
Public Policy ◽  
Domestic Violence ◽  
Child Protection ◽  
Current Policy ◽  
Policy And Practice ◽  
Policy Responses ◽  
Specialist Services ◽  
Future Direction ◽  
The Impact ◽  
Discursive Constructions

More attention than ever before is being paid to children in Australian public policy concerned with domestic violence. In family law and in the areas of child protection, policing and in the provision of specialist services, there is recognition that children are affected by domestic violence. Yet the ‘discovery’ of the impact of domestic violence on children and the development of public policy responses have not been straightforward processes of problem identification and solution. Rather, there are a number of competing discourses which underlie various policy approaches. Drawing on Bacchi’s (1999) ‘what’s the problem represented to be?’ approach, we examine the discursive constructions of children’s experiences of domestic violence and the responses to them as evident in Australian public policy. In identifying these particular understandings, and considering the implications of these meanings for current policy and practice, we aim to contribute to debate on the future direction of domestic violence policy concerned with children.

scholarly journals THE IMPACT OF MIGRATION FROM VENEZUELA ON THE DOMESTIC POLITICAL SITUATION IN THE UNITED STATES

2019 ◽  
Vol 21 (2) ◽  
pp. 240-253 ◽  
Author(s):  
Sergey Yu Belokonev ◽  
Sergey A Vodopetov ◽  
Vladimir G Ivanov
Keyword(s):  
United States ◽  
Democratic Party ◽  
The United States ◽  
The State ◽  
Key Factors ◽  
Donald Trump ◽  
Important Region ◽  
The Future ◽  
The Impact ◽  
Presidential Election Campaign

The authors analyze the impact of migration from Venezuela on the domestic policy of the United States. According to the data for 2017, more than 11 percent of immigrants to the United States from South America are Venezuelans, and the same figure for 2016 was close to 9 percent, which indicates a fairly sharp increase in the number of refugees. An active influx of Venezuelans may be one of the key factors in the future US 2020 presidential elections. The largest diaspora of Venezuelans in the United States lives in Florida, which will be one of the key states in the future presidential election campaign. In connection with the potential loss of Republican’s positions in such an important region as Florida, it is necessary for the administration of Donald Trump to reconsider its policy in the state. In addition, representatives of the Democratic party are greatly interested in increasing influence in the state. Thus, the authors conclude that the administration of Donald Trump generally benefits from the crisis in Venezuela, as it will help to carry out a number of domestic political reforms aimed at economic protectionism and tackling of immigration.

Does focus strategy work? A study of bank loan portfolios in Indonesia

2019 ◽  
Vol 13 (3) ◽  
pp. 450-471
Author(s):  
Apriani Dorkas Rambu Atahau ◽  
Tom Cronje
Keyword(s):  
Bank Lending ◽  
Bank Loan ◽  
Content Type ◽  
Loan Portfolios ◽  
Bank Ownership ◽  
Lending Policy ◽  
Focus Strategy ◽  
The Impact ◽  
Positive Effect ◽  
Ownership Types

PurposeThe purpose of this paper is to determine the impact of loan concentration on the returns of Indonesian banks and examines whether bank ownership types affect the relationship between concentration and returns.Design/methodology/approachThis research uses heuristic measures of concentration: The Hirschman–Herfindahl index and Deviation from Aggregated Averages are applied to Indonesian banks across all sectors. The data covers the pre and post global financial crises periods from 2003-2011 for 109 commercial banks in Indonesia. Panel feasible generalised least squares analysis was applied.FindingsThe findings show that loan concentration increases bank returns. The positive effect of concentration on returns tends to be more significant for domestic-owned banks. In addition, the interaction effect shows that the positive effect of concentration on returns is less for foreign-owned banks.Research limitations/implicationsThe Indonesian central bank changes to the reporting format of sectoral loan allocation by banks since 2012 in terms of the Indonesian Banking Statistics Details of Enhancement matrix requires separate data analysis for 2012 onwards. The findings of this paper could be enhanced by more detailed data like interest rate expenses and bank level sectoral non-performing loans data.Practical implicationsThe findings suggest that a focus strategy provides better returns. Moreover, bank ownership types is an important factor to consider when setting a bank lending policy.Originality/valueThis paper is among the few studies where different measures of loan concentration in combination with measures of return are applied in Indonesia as an emerging Asian country. The research also provides evidence of the impact of concentration on the interest earnings of the loan portfolios of banks in addition to return on assets and return on equity that are generally applied as measures of return in previous research.

Bailing out the Wealthy: Responses to the Financial Crisis, Ponzi Neoliberalism, and the City

2010 ◽  
Vol 3 (3) ◽  
pp. 54-84 ◽  
Author(s):  
Alan Walks
Keyword(s):  
Public Policy ◽  
Financial Crisis ◽  
Global Financial Crisis ◽  
Financial Economic ◽  
Nation States ◽  
The Future ◽  
The Global Financial Crisis ◽  
Developed World ◽  
The Impact ◽  
The City

This article seeks to critically examine public policy response to the global financial crisis in the core of the developed world, and to understand the likely implications of this set of policy responses for the future trajectory of urban social crises. Instead of dealing with the internal contradictions of the financial-economic system that characterizes recent capitalism, and that produced the global financial crisis, the governments of the wealthiest countries are actively attempting to ‘solve’ the problem by re-installing a form of capitalism that I refer to as ‘ponzi neoliberalism’. The increasing dominance of ponzi dynamics in this system means it is inherently contradictory, inequitable, wealth-destroying in the aggregate, and unsustainable – I stress in particular the implications for the future form and trajectory of urban social inequality. In this article, I trace the roots of the global financial crisis and outline the parameters of ponzi neoliberalism. I then discuss how nation states are using public policy to resuscitate this system, and in doing so, are reproducing highly contradictory and unsustainable, but self-reinforcing, dynamics (doom-looping) that imperil future social and economic sustainability. I then consider the impact on the geography of the city, and argue that this strategy risks deepening urban social crisis. The longer that ponzi neoliberalism is allowed to continue, the deeper and more problematic will be the crisis, and the more limited will be the state capacity to respond to its contradictions.

The impact of bank lending channel on separate loan portfolios in Poland

2021 ◽  
Vol 14 (6) ◽  
pp. 572
Author(s):  
Filip �š ◽  
N.A. witała ◽  
Iwona Kowalska ◽  
Karolina Malajkat
Keyword(s):  
Bank Lending ◽  
Bank Lending Channel ◽  
Lending Channel ◽  
Loan Portfolios ◽  
The Impact

Confusion and Reality in Public Policy: The Case of the British Urban Programme

1978 ◽  
Vol 26 (4) ◽  
pp. 491-506 ◽  
Author(s):  
David McKay ◽  
Andrew Cox
Keyword(s):  
Public Policy ◽  
Inner City ◽  
Interest Group ◽  
British Politics ◽  
Policy Agenda ◽  
Policy Responses ◽  
Urban Problem ◽  
Policy Direction ◽  
The Impact

The paper concentrates on the realization of an inner city or urban problem in British politics in the mid-1960s. Rejecting the conventional explanation of the resultant ‘urban programme’ as solely the consequence of Labour reactions to Enoch Powell's ‘rivers of blood’ speech in 1968, the paper assesses the utility of a number of explanations for the gestation and ultimate shape of this new policy direction. Interest-group, elite and Marxist interpretations are also rejected, while amorphous academic ideas and bureaucratic domination of an embryonic policy agenda are offered as the two most plausible explanations of the subsequent shape of the ‘urban programme’. The paper concludes with an assessment of the impact of poorly conceived policy responses in generating more viable alternatives.

scholarly journals Public Policy and Water in Florida

EDIS ◽  
2009 ◽  
Vol 2009 (4) ◽  
Author(s):  
Roy R. Carriker ◽  
Tatiana Borisova
Keyword(s):  
Public Policy ◽  
Water Resources ◽  
Human Activities ◽  
Resource Economics ◽  
State Policies ◽  
The State ◽  
Fact Sheet ◽  
The Impact

FE799, an 8-page illustrated fact sheet by Roy R. Carriker and Tatiana Borisova, describes the state policies and regulations that provide the framework for water resources use and the impact of human activities on water resources in the state of Florida. Includes references. Published by the UF Department of Food and Resource Economics, May 2009.

Sign in / Sign up

Export Citation Format

Share Document