important insights into this process. Key words: agricultural lending, conjoint measurement. Factors influencing the lending decision to farms can significantly affect their financiai capacity and performance. During recent years, farm operations have become more cap-ital intensive, thus requi ¡ more funds

been done to model and empirically test the decision process of individual lending officers in this market. Existing studies (i.e., Barry, Baker, and Sanint; Sonka, Dixon, and Jones).have concentrated primarily on.credit analysis of farm firms. The objec tive of this paper is to expand on existing

contracts performance determines the profitability and stability of the financial institutions, and screening the loan applications is a key process in minimizing credit risk. Before making any credit decisions, credit analysis (the assessment of the financial history and financial backgrounds

This study analyzes the courts ’ denial of women farmers ’ motion for class-action certifi-cation of their lawsuits alleging gender discrimination in Farm Service Agency (FSA) lending decisions. The plaintiffs ’ claim of “commonality ” of circumstances in women farmers ’ dealings with FSA is tested

durable goods. In such an economy, interest rates are determined by consumption loans between individuals of different ages. By introducing production employing a durable capital good into this model, one can examine the case where individuals provide for their retirement years by lending to entrepreneurs

This case requires students to analyze the financial position of a small private venture as if they were a loan officer in a community bank. The information presented is less formal than what would be required at a national or regional bank, and many of the issues in the case would not be present if the borrower were a publically held firm. The enterprise being analyzed is generic enough that the firm can be considered to be “local, ” regardless of the location. This allows students to incorporate knowledge of their local economy into the case. Furthermore, this case is very flexible. How much of the solution should be given to the students is a function of the amount of time the instructor wants to devote to the case and the learning objectives to be achieved.

on bank spread management and default risk. An option-based model of bank spread behavior is developed to study these closely related phenomena. The model is designed to indicate the fat tails of loan repayments caused by mood effects induced by good weather. With the good mood influences on bank lending

to the positive valuation effects of the event followed by the banks ’ own renewal decisions of the transferred loans. Banks have an incentive to favor pre-existing relationships to increase the value of previously extended loans, and therefore loan renewals to firms with prior relationships do not signal

At the end of April 2003 the Basel Committee on Banking Supervision released a third consultative paper (CP3) containing a proposal for a new accord on bank capital (Basel II). The proposal contains important changes with respect to an earlier paper, published in January 2001 (CP2). The reform process has been undertaken in response to the increase of financial innovations in banking products

The German financial market is often characterized as a bank-based system with strong bank-customer relationships. The corresponding notion of a housebank is closely related to the theoretical idea of relationship lending. It is the objective of this paper to provide a direct comparison between