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2016 | Book

Introduction Read chapter Read first chapter

New Perspectives on the Bank-Firm Relationship

Lending, Management and the Impact of Basel III

Author: Paola Ferretti

Publisher: Springer International Publishing

Book Series : Palgrave Macmillan Studies in Banking and Financial Institutions

Part of: Springer Professional "Wirtschaft+Technik" , Springer Professional "Wirtschaft"

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About this book

This book analyses the connections between the banking industry in Europe and the companies it finances. Ferretti specifically studies how these bonds have evolved over time and questions whether now is the time for a change in the relationship’s dynamics. Chapters discuss the role of bank lending in firms’ financing during the recent financial crisis, as well as issues in credit risk management. The discussion also examines regulatory requirements impacting banks and firms (Basel III) and how they intersect with banks’ internal purposes. Moreover, the book explores how the financial crisis has impacted the relationship between banks and businesses, and seeks to identify the strengths and weaknesses inherent to it. Through this timely discussion, Ferretti looks to the future of the relationship between banks and non-financial organizations to see how they can be revitalised, adapted and reimagined in a post-crisis economy.

Table of Contents

Frontmatter
1. Introduction
Abstract
The current crisis scenario has shed new light on the crucial role of intermediaries in the growth of firms. This has generated interest in the complexity and variety of bank offerings as competitive advantages in their relationships with enterprises. This in turn raises issues such as the intervention levers banks might use to strengthen their relationship with firms, overcoming vulnerabilities and distortions accumulated over time to create value for both.
Paola Ferretti
2. The Bank-Firm Relationship: How Did It Change with the Financial Crisis?
Abstract
The current economic crisis has shed new light on the role of banks in the growth of firms, evidencing the need for novel meeting points within the bank-firm relationship.
Paola Ferretti
3. Credit Risk Assessment: The Internal Rating Systems
Abstract
Whenever we speak about loans as the most widespread source of financing for firms (especially small and medium-sized ones)—either internal or external to the banking relationship approach—attention is necessarily drawn to the processes of credit risk measurement and management.
Paola Ferretti
4. Credit Guarantees: The Role in Bank Lending
Abstract
By definition, credit guarantees are a tool intended to attenuate the loss arising from a debtor’s default and facilitate a bank’s recovery of the sums loaned. Specifically, credit guarantees cover a share of the default risk of loans by allowing the partial transfer of such risk: in the event of a debtor’s default, the bank recovers the value guaranteed. The recovery of the sum loaned—or of part of it—depends on many factors, among which are (1) the type of protection, (2) the coverage level in relation to the exposure, (3) the timing and conditions of realisation—which are also factors that affect the contract conditions relating to the financial transaction—and above all the price of the loan.
Paola Ferretti
5. Banks, Firms and Financial Markets
Abstract
One of the classic topics of economic debate is the array of valuable services offered by banks to their corporate costumers (e.g. financial support and consulting services) and the effects this has in consolidating the bank-firm partnership philosophy.
Paola Ferretti
6. Is Banking Business Changing? Some Evidence
Abstract
This chapter is an analysis of the banking business and is intended to provide supporting evidence on the main issues addressed in the previous chapters.
Paola Ferretti
Backmatter
Metadata
Title
New Perspectives on the Bank-Firm Relationship
Author
Paola Ferretti
Copyright Year
2016
Electronic ISBN
978-3-319-40331-1
Print ISBN
978-3-319-40330-4
DOI
https://doi.org/10.1007/978-3-319-40331-1