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2 edition of Commerical bank loan and investment policy found in the catalog.

Commerical bank loan and investment policy

Donald R. Hodgman

Commerical bank loan and investment policy

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  • 39 Currently reading

Published by University of Illinois in Champaion, Illinois .
Written in English


Edition Notes

Statementby Donald R. Hodgman.
ID Numbers
Open LibraryOL19263185M


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Intended as guidance for planning and conducting bank examinations. This booklet addresses commercial loans, which include working capital advances, term business loans, agricultural credits, and loans to individuals for business purposes.

Applicability. This booklet applies to the OCC's supervision of national banks. Moody’s|KMV Economics of the Bank and of the Loan Book 7 The low volatility means that considerable leverage can be used to finance these Commerical bank loan and investment policy book, and leverage in excess of 90% is common.

The franchise has quite different characteristics. As a service business, it has approximately symmetric upside and downside Size: KB. Before discussing the investment policy of a commercial bank, it is instructive to distinguish between a loan and an investment because the usual practice is to regard the two as synonymous.

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With a strong emphasis on managing risk and maximizing Cited by: Commercial bank loan and investment policy. [Champaign, Bureau of Economic and Business Research, University of Illinois, ] (OCoLC) Document Type: Book: All Authors / Contributors: Donald R Hodgman.

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Finally, the effective cost of funds may be adjusted by an equity credit; i.e., to the extent that the bank funds its commercial bank’s balance sheet, allow the File Size: 1MB. of a large public debt has changed markedly the investment policies of the com-mercial banking system.

Changing tax policy has also influenced trends in invest- ment practices. For the purpose of analyzing the contemporary trends in the lending and invest- dollars, and at the end of the year total commercial bank loans exceeded the figure Cited by: 1.

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