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Forms of Capital Mobilization of Retail Banks

The bank chooses the time to launch new products, decides to reduce fees, increase interest rates or has a promotion program when making savings at the beginning of the year, free card issuance for students when the new school year starts or customers often spend a lot on cards on holidays, etc. ...

Causes of Credit Risk at Commercial Banks

- Selection risk: This is the risk related to the Banks credit assessment and analysis process to select customers for credit. During this process, the Bank is very likely to make mistakes when analyzing and evaluating customers with many loopholes and lacking comprehensiveness. - Guarantee risk: ...

Commercial Banks and the Money Creation Process

One problem that arises when governments increase spending or cut taxes to stimulate demand is that these measures create budget deficits. In contrast, contractionary fiscal policy, through cutting government spending or raising taxes to control inflation, reduces the budget deficit. However, ...

Credit Risk Management of Commercial Banks

Bankruptcy of one bank risks leading to the bankruptcy of many banks like the phenomenon in the US in the 1930s, the 1980s,. or the collapse of many credit funds in our country in the late 1980s. 1.1.3. Credit risk of commercial banks 1.1.3.1. Concept Risk is the possibility of unforeseen events ...

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