FINANCE

Can principles of structured finance be used in single bank management?

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Question by Artyom: Can principles of structured finance be used in single bank management?
bank usually takes money and gives them as loans. Is there any theory about structured finance principles used in single bank management. Make tranches by persons who give bank money, and paying them back by waterfall rules.

Best answer:

Answer by Mohammad
.
1. By ‘single bank management’ do you mean ‘unit banking’ (that banks having only ‘single’ office, as distinct from ‘branch banking’ with many offices)?

2. Any way, whatever type of bank you have in mind, the principles of bank finance are same for all the types of banks.

3. Usually, Central Banks of a country (or banking regulatory authorities) issue general guidelines to banks in regard to bank finance.

3. So, the bank you have in mind can follow the structured finance, if it has the necessary expertise and the organisational strength.

4. Please go through a book “Structured Finance: A Guide to the Principles of Asset Securitization” at:

http://books.google.co.in/books/about/Structured_finance.html?id=Fg6g_-4BZp8C&redir_esc=y

5. You may also visit the relevant sites at the following link, for more information:

http://in.search.yahoo.com/search?p=structured%20finance%20principles
.

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How hard is to get a finance for a machinery for $65 000?

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Question by poopi: How hard is to get a finance for a machinery for 000?
I’m planning on getting a machine for $ 65000, I’ve never had any loans or buy a new car. My credit scores are not good in 2 bureus are 670 and Expirian is 570. I’m trying right now to improve my credit scores but it’s not easy, takes time. I applyed in City Financial for a personal lon (not that I need one) but just to try to get the loan and pay it off. But I was denied. So I decided to use more of my credit card so it will show in my cradit report that I had a bigger loan ($ 7000). And then pay off the credit cards. If you have any ideas what shoul I do I’ll appreciate you answer. Thank you in advance.

Best answer:

Answer by das_coon
It will be very hard to get a loan for 65,000 with little credit history. What will make it even harder is if you can’t show income.

The manufacturer of the equipment may have finance available through them, since if you default, they can take back possession. Most banks will consider a piece of machinery a poor securitization option because there is such a limited market.

Know better? Leave your own answer in the comments!

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Finance Minister Sammy Wilson announces the start of legislation for pleural plaques claims from 14 December 2011. He is pictured with Nigel Dodds MP and Stanley Blair, Chairman of the H&W Pensioners Action Group.

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Check out these Finance images:

Finance Minister Sammy Wilson announces the start of legislation for pleural plaques claims from 14 December 2011. He is pictured with Nigel Dodds MP and Stanley Blair, Chairman of the H&W Pensioners Action Group.
Finance
Image by Northern Ireland Executive
Finance Minister Sammy Wilson announces the start of legislation for pleural plaques claims from 14 December 2011. He is pictured with Nigel Dodds MP and Stanley Blair, Chairman of the H&W Pensioners Action Group who have been at the forefront in the campaign for justice to restor the right to compensation for victims of Pleural Plaques.

Finance Minister Supports Natural World Challenge
Finance
Image by DUP Photos
Finance Minister Sammy Wilson pictured with naturalist Adam Gartely during his visit to Stormont Estate

Natural World Challenge delivered in partnership by the Ulster Wildlife Trust and Caring Breaks. This unique project gives adults with learning difficulties the chance to explore nature at accessible green places on their doorstep and now includes Stormont’s 60 hectares of wooded parkland as a venue for activities.

©Press Eye Ltd Northern Ireland – 27th September 2012
Mandatory Credit – Picture by Darren Kidd/Presseye.com

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Q&A: How hard is to get a finance for a machinery for $65 000?

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Question by poopi: How hard is to get a finance for a machinery for 000?
I’m planning on getting a machine for $ 65000, I’ve never had any loans or buy a new car. My credit scores are not good in 2 bureus are 670 and Expirian is 570. I’m trying right now to improve my credit scores but it’s not easy, takes time. I applyed in City Financial for a personal lon (not that I need one) but just to try to get the loan and pay it off. But I was denied. So I decided to use more of my credit card so it will show in my cradit report that I had a bigger loan ($ 7000). And then pay off the credit cards. If you have any ideas what shoul I do I’ll appreciate you answer. Thank you in advance.

Best answer:

Answer by das_coon
It will be very hard to get a loan for 65,000 with little credit history. What will make it even harder is if you can’t show income.

The manufacturer of the equipment may have finance available through them, since if you default, they can take back possession. Most banks will consider a piece of machinery a poor securitization option because there is such a limited market.

Add your own answer in the comments!

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Finance

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A few nice Finance images I found:

Finance
Finance
Image by barto
Department of Finance and Administration.

Finance Minister Visiting Banbridge
Finance
Image by DUP Photos
Finance Minister pictured during his visit to Banbridge. (L-R) Adrain Farrell, President of Portadown Chamber of Commerce, Joe Quail, Vice-Chairman of Banbridge Traders, Minister, David Simpson, MP and Charlie Gardiner, Chairman of Lurgan Chamber of Trade

Finance Minister Sammy Wilson participated in a round table discussion in Banbridge, during which he highlighted the Executive’s ongoing support for town and city centres.

Picture taken by: Heather Thompson (DFP) – 26/09/2012

Finance
Finance
Image by yourdoku
This is a solvable sudoku made with the characters of Finance city in Belgium.

View financedoku or make your own design at yourdoku.com

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Nice Finance photos

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Check out these Finance images:

Finance – Financial injection – Finance
Finance
Image by @Doug88888
Finance – Financial injection – Finance

Finance
Finance
Image by Tax Credits
Finance

Finance and Commerce – New Applications Leverage The Popularity Of Social Networks – 02/16/09
Finance
Image by DavidErickson
Read: New applications leverage the popularity of social networks – Finance and Commerce.

“A lot of the gold in social media is in the analytics in giving people insight into how people behave on these social networks and finding trends within that data,” said David Erickson, director of e-Strategy at public relations and marketing firm Tunheim Partners in Minneapolis.

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Some questions regarding basic terminology in finance?

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Question by Son of a B1tch: Some questions regarding basic terminology in finance?
1) Credit
2) Credit expansion
3) “Pooling” as in pooling debt.
4) Securitization

What do these mean?

Best answer:

Answer by Sean Roberts
1) Credit is providing someone with goods or services with the understanding that they will pay you in a preagreed time in the future.

2) Credit expansion is an economic term. It means the part of any increase in the money supply which is not due to a balance-of-payments surplus. The money supply can increase through a balance-of-payments surplus, on either current or capital account.

3) Debt pooling is an arrangement by which a debtor would deposit funds for the purpose of distributing such funds among his creditors. It is used in bankrupcy.

4) Securitization is the financial practice of pooling various types of contractual debt such as residential mortgages, commercial mortgages, auto loans or credit card debt obligations and selling said debt as bonds, pass-through securities, or Collateralized mortgage obligation (CMOs), to various investors. This is one of the things that led to the horrible recession we’ve gone through.

Give your answer to this question below!

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Q&A: What is securitization in finance?

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Question by aayntu: What is securitization in finance?
I’m learning about securitization in my finance class right now, but I have a weak grasp of what it really is. Can someone please give me a simple definition of securitization and the process of it?

Best answer:

Answer by ldjamieson
It is basically taking a bunch of financial products, packaging them under some form of contract as a new financial product (a security) and selling it. Making a security out of something is securitization.

Add your own answer in the comments!

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