Lending Term Papers Samples For Students

Thesis

The global financial crisis was a period during which downturns were experienced in the stock markets, economic activities as well as losses in the housing market all over the world. During this period, banks had to be bailed out by national governments and consumer wealth declined significantly. The result was a major recession between 2008 and 2009 .
This paper looks at the global financial crisis in the world, its effect in the US and measures taken by the US to manage it. This financial crisis was experienced in the world in the late 2000’s and the US was hit ...

Executive Summary

This paper is aimed at discussing the Housing Crisis in the USA during year 2007 and it’s after effects. This paper starts with a brief introduction of the topic and then proceeds to the causes which lead to the housing crisis in USA during year 2007. After discussing the causes of the crisis, the early stages of the crises are briefly described which is followed by the actual development of the crisis. The effects of the crisis on US economy are mentioned afterwards which is followed by a brief conclusion of the paper. This paper has been prepared using several ...

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INTRODUCTION
“He [that is, Antonio] hath disgraced me, and hindered me half a million—laughed at my losses, mocked at my gains, scorned my nation, thwarted my bargains, cooled my friends, heated mine enemies—what’s his reason? I am a Jew. Hath not a Jew eyes?” (Merchant of Venice, 3.1.42-46)
The above lines were borrowed from the famous speech made by Shylock in William Shakespeare's Merchant of Venice. This speech by Shylock was his attempt at demonstrating his humanity and to encourage the audience to sympathize with his condition as a person ...

Impact of Financial Crisis on the United States’ Banking Sector

The 2007-2008 crisis also referred to as the global financial crisis affected the banking sector across the world in many ways and the US banking sector was not spared. Over the short term period, the crisis affected the banking sector in several ways. Several banks incurred huge losses because of the increased default rate as people and businesses were unable to repay their loans. Mortgage defaults were very high making the banking sector to enact legislation to curb the spread of the crisis. The crisis caused the interbank lending sector to freeze with credit to consumers and businesses drying ...

Financial crisis is not a new word in today's economy. The world's economy has consistently been a victim of the financial crisis, and these cases will continue to happen. The global financial crisis in 2008 relates to the 1930's great depression that nearly brought down the economy of the United States. The actors in the financial sector have grown big and are becoming uncontrollable. These financial institutions have now become tough to monitor and control.
Government and central banks have a duty of controlling commercial structures through proper supervision and regulation of financial market (Flannery 275). Due to the ...

The housing bubble and its subsequent burst in late 2006-07, were cited as one of the primary reasons for the financial crisis of 2007-08 that left the whole global economy in tense situations. In the US alone, millions of people went homeless, and thousand of real estate companies were having unsold homes and commercial properties. The financial pundits and researchers blamed the easy financing and relaxed regulation on the financial sectors that fed into the bubble, allowing it to grow to proportions and such level, from where it was not possible for the federal system to save the economy ...

Background

During the World War I, United States and European countries economies had forged an intimate and unique relationship and owing to this, the Great Depression spread to these countries. After the World War I, United States emerged as a major financier and creditor of postwar Europe. The national economies of European countries were greatly weakened by World War I and the war debts (McNeese, 2010). In particular Germany and other countries that were defeated were expected to finance war reparations. The United States Economy slowly slumped after the World War I and the American investment credits flow to the European ...

The role of microcredit in alleviating poverty has not been understood and realized by various economic planners of various nations, starting with the understanding on the reasons for microcredit and its scope. Microcredit refers to small borrowing by unsalaried people and in microcredit loaning collateral requirement is usually little or at times it is not even required. The impact of microcredit has attracted attention of economists, scholars and national planners more than any other form of microfinance. This is so because micro credit provides a wide list of benefits to poor people. Generally, microcredit provides financial support, business advice in ...

Business

Abstract
This research paper will focus on government contracting and it strives to maximize opportunities in its acquisition to small business. The law that will be applied for the study is the Federal Acquisition Regulations or FAR part 19, on small business programs as well as the respective roles of executive agencies and the Small Business Administration (SBA) in implementing the programs. At the same time, there will be an extensive discussion on the coordination that will support the growth of small business, and how the efforts of Small Business Administrations or the SBA help boost the economy ...

Arguably, 2000-2009 was the most difficult moment in the world economy. The financial crisis that took place in United States and the world became the worst financial munch to ever occur in the world. The financial crisis took place in the late 2008 at a remarkably speed, whereby most economic factors were fully disturbed. Mortgage-related securities, which had fully spread in United States as well as global financial systems collapsed. As a matter of fact, this crisis undermined several largest and renowned financial institutions in United states and the world. Additionally, the crisis damaged stronger economies and financial systems in the ...

Introduction

The year 2007-08 brought nightmares for the US economy and its participants because least anyone had expected that the world’s biggest economy will cripple and face the worst ever recession after the Great Depression of 1929-1930. While Wall Street lost more than trillion dollars in value, thousands of Americans were left unemployed and the businesses, even the one who had more than 100 years of their presence in the United States, were filing for bankruptcy. On the other hand, Federal Reserve Bank, which once cited economic bubble as the natural event that cannot be prevented( courtesy the ideology ...

The US Subprime mortgage crisis was a banking and financial emergency situation that led to a recession not only in the US but spread to many parts of the world. The disastrous effects of a crisis in the domestic subprime market on the rest of the world beg questions about the interconnectability and interdependence of the international economy as well as the financial institutions. The international financial crisis also revealed how vulnerable the global financial system was. Not only did the subprime crisis have a direct effect on global markets and countries that held a huge number of US mortgage backed securities and were ...

Introduction

When the United States emerged from the Civil War, the divisions within its economy showed the reason why the South lost the conflict. Because of the industrialization that had taken place in the North in the first half of the nineteenth century, that side was able to develop materiel more quickly – and to get it to the men on the battlefields where they needed it with more rapidity. The South, on the other hand, was still mostly an agrarian society. While this agrarian dream would fire the imaginations of poets from Dixie well into the twentieth century, it also ...

Economics of Global Money Markets

When money became a commodity, money market became part of the financial markets for the reasons that assets that are involved in short-term buying, borrowing, selling and lending with the original maturities of about one year or less. The trade in money markets is carried out over the counter and as such it is wholesale. There are various instruments that exist and they include deposits, treasury bills, bankers’ acceptances, certificates of deposit, bills of exchange, commercial paper, federal funds, repurchase agreements and asset backed securities. This provides a funding that is liquid for the global financial system. Capital markets and money ...

Introduction

An economy of a country goes through different cycles. There will be periods where there will be a boom and at other times there can be a recession. In the Western world the period 2007 to 2009 was a tough period as the economy went through a recession. Many people lost their jobs while others lost their homes. It is estimated that a total of 8.4 Million jobs were lost during the recession period. Mortgage products were the worst hit. Governments came up with measures to stimulate the economy. The American government spent a lot of money bailing out banks and mortgage companies.

There are two ...

Introduction

This paper summarizes the key policies that were implemented by the United States Federal Reserve Bank in the period between 2008 and 2010. This time period under review presented a unique economic environment for the Federal Reserve and the US economy as a whole, due to the Global Financial Crisis which begun in the second half of 2008. This paper seeks to understand the key decisions that the Fed took in averting the deepening of the crises, and in steering the economy back on the right course. By and large, the decisions taken by the bank are to a large extent a reflection ...

Introduction

Grameen-Dannon Company is a company that is formed by different ventures jointly. The purpose is to produce yoghurt. Our aim is to attend millions of the emaciated poor children in Bangladesh. In that connection we are concerned with putting the required macronutrients in the yogurt and then make the sales at the cheapest prices as we can. This effort is an admirable one. However, the efforts to sells at a small price could be admirable. However, it does not give any long-run effect on the poor and malnutrition child. Comparatively, the use of charitable means to upraise the life of a poor ...

ANALYSIS AND INTERPRETATION

ANALYSIS OF THE PULTE GROUP
Analysis of the Residential Industry
The assessment of the residential industry has been conducted in the previous section using three tools of Porters five forces model, key Success factor and Futures Trends for the short and near to short term.
The conclusion that can driven from the Porter five forces model refer that industry is highly attractive as four acting forces among five poses low threat. Despite attractiveness from four forces, the rivalry among competitors is high. This distinct result for the rivalry force rose from the fact that housing industry ...

Balance sheet

Balance sheet can be defined as a financial statement which shows the financial position of a business as at a particular time. It has two parts one of them shows all the assets that the company owns and the other side shows the liabilities as well as the shareholder’s equity. (Barry J. & Epstein, E 78).A balance sheet is always prepared as per a certain date. For instance, a balance sheet dated 31st December 2000, shows the financial position of the business for the year 2000.In simple terms, a balance sheet may be defined as a financial statement which shows the sources of funds (liabilities) ...

Historical Development of Global Regulations - Basel I & Basel II

In 1988, central bankers from different countries gathered in Basel, Switzerland to deliberate on banking regulations that would chat the way forward for providing minimum capital requirements for banks. Despite being enforced by law in 1992, the 1988 Basel Accord is currently regarded as outmoded. There have been numerous developments with regards to risk management, financial innovation, and financial conglomerate thus making the provisions of Basel 1 outmoded. In 2004, Basel II was published to supersede Basel I. The main aim was to create global standards for central banks. The banking regulators were required to control the capital that ...

PART I

Forward contract: This is a type of a derivative contract that involves an agreement between parties on the rate of interest that will be applicable to specified national loans or deposits within a specified time period. The aim of this is to offer the borrower protection against the uncertainty that may result from unexpected rise in the interest rates. For instance, farmers face a significant price risk resulting from the fact that they do not know the price their products will sell at come the harvest time (Melnikov, 1999). The uncertainty resulting experienced in the farming sector may be as a result of the ...